FreshRateHub

Rent vs. buy calculator

A comparison over a horizon you set, using assumptions you control. There is no right answer here and nothing is being recommended.

Current monthly rent

Annual rent increase (%)

Home price

Down payment

Interest rate (%)

Term (years)

Years you expect to stay

Annual appreciation (%)

Yearly ownership costs (% of value) Taxes, insurance, maintenance.

Over —

—

by about —

Total rent paid: —
Net cost of owning: —
Equity at the end: —
Monthly principal & interest: —

Every figure here follows from assumptions you entered, and small changes to them move the answer a great deal. Transaction costs on buying and selling are not included. This comparison is not advice and is not a recommendation to do either thing.