Rent vs. Buy: Constant monthly mortgage with annual property/rent growth.
SET UP FOR YOUR COUNTRY Editable estimate
Rent vs. Buy Calculator for United States
USD · 12,345.67US customary measurementsRoad distance: miles
United States planning scenario. Amounts, prices and rates are editable examples. No verified local tax bands, exemptions, benefits or lender rules are applied. Currency amounts are not exchanged.
Switch countries to open a separate scenario. Your edits are kept while this calculator is open; use Save scenario to keep them on this device.
Your details
USD
Example only. Enter the amount or rate applicable to your situation in United States.
USD
Example only. Enter the amount or rate applicable to your situation in United States.
%
Example only. Enter the amount or rate applicable to your situation in United States.
Enter years. Monthly loans and savings require a whole number of months; 0.5 years is 6 months.
USD
Example only. Enter the amount or rate applicable to your situation in United States.
USD
Example only. Enter the amount or rate applicable to your situation in United States.
USD
Example only. Enter the amount or rate applicable to your situation in United States.
%
Example only. Enter the amount or rate applicable to your situation in United States.
%
Example only. Enter the amount or rate applicable to your situation in United States.
%
Example only. Enter the amount or rate applicable to your situation in United States.
%
Example only. Enter the amount or rate applicable to your situation in United States.
Enter a whole number.
Buying advantage in ending wealth
$41,427.17
Amounts in USD · United States · editable planning estimate
Owner equity after sale$178,138.68
Renter investment balance$136,711.51
Your calculation, beautifully packaged.Download a report with this result, your inputs, the formula, and assumptions.
How this result was calculated
Compare owner equity after sale with a renter investing the initial cash and monthly cost difference.
Country setup: United States. Displayed measurements are converted to the formula's base units internally.
Assumption: Constant monthly mortgage with annual property/rent growth. Savings differences accrue monthly. Taxes, investment volatility, rent deposits and moving costs excluded. United States planning scenario. Amounts, prices and rates are editable examples. No verified local tax bands, exemptions, benefits or lender rules are applied. Currency amounts are not exchanged.
Calculation version 1.0.0 · Support state: generic
Formula and method
Compare owner equity after sale with a renter investing the initial cash and monthly cost difference.
This calculation uses the values you enter. It runs in your browser and does not request a location or account.
Worked example
The comparison includes equity and invested cost differences, not just monthly housing payments.
Questions people ask
Which method does this tool use?
Compare owner equity after sale with a renter investing the initial cash and monthly cost difference.
What should I check before using the result?
Constant monthly mortgage with annual property/rent growth. Savings differences accrue monthly. Taxes, investment volatility, rent deposits and moving costs excluded.