Life in Numbers · Popular calculator

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Rent vs buy calculator

Compare rent with mortgage, ownership costs and estimated equity. Change only the numbers you know. Results update instantly and stay in this browser.

01 · A useful example is ready

A useful example is ready

Currency and regional example

Monthly rentEditable average

USD

Home priceEditable average

USD

Compare afterEditable average

years

Down paymentEditable average

Mortgage interestEditable average

Mortgage termEditable average

years

Property tax per yearEditable average

Maintenance per yearEditable average

Home price growth per yearEditable average

Rent growth per yearEditable average

03 · Every result explained

Every result explained

Each row says what the number represents. No hidden total: the editable starting values are listed beside it.

ResultWhat this number meansValue

Monthly mortgage paymentEstimated regular mortgage payment, excluding utilities and personal insurance.$1,578.26

Rent paid over the periodAll rent paid during the selected comparison period, including assumed increases.$216,667.32

Estimated net cost of buyingCash paid for ownership minus the estimated home equity left at the end.$112,455.27

Lower estimated costDifference between the rent and buying scenarios.$104,212.05

04 · What the estimate includes

What the estimate includes

Rent includes the starting payment and its expected growth. Buying includes the deposit, mortgage, property tax, maintenance and estimated home value left after the selected period.

ⓘ Planning estimate — not a quote, tariff or financial recommendation.

Are closing and selling costs included?

No. Add them mentally or treat the result as a first comparison, not a decision.

Why can buying show a negative net cost?

Strong assumed price growth can create more equity than cash spent. That is a scenario, not a guarantee.

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