Rent vs Buy Calculator

Compare renting vs buying a home

🔒 Files never leave your browser

Buying Scenario

Home Price ($)

Down Payment (%)

Mortgage Rate (%)

Home Appreciation (%/yr)

Property Tax (%/yr)

Maintenance (%/yr)

Renting Scenario

Monthly Rent ($)

Annual Rent Increase (%)

Investment Return (%) Return on down payment if renting

Time Horizon (years)

How to Use Rent vs Buy Calculator

Enter home details

Enter home price, down payment, and mortgage rate.

Enter rent

Enter monthly rent and annual increase.

Compare

See total cost comparison over your timeline.

Why Choose AllTools Rent vs Buy Calculator?

✓ Total cost comparison
✓ Equity building display
✓ Appreciation factor
✓ Tax deduction estimate
✓ Opportunity cost
✓ No data stored

Why Use This Tool

★ Financial data stays private in your browser
★ Completely free with no usage limits
★ No account or registration required
★ Accurate calculations using standard financial formulas
★ Works on any device with a modern browser

Related Resources

Loan calculator → Compound interest → Calculate percentages →

Frequently Asked Questions

What factors are considered? ▼

Home price, mortgage, property taxes, maintenance, insurance, rent increases, home appreciation, and investment opportunity cost.

Does it factor in home appreciation? ▼

Yes. Enter an expected annual appreciation rate to see how property value growth affects the rent vs buy comparison.

Does this work on mobile? ▼

Yes. All AllTools tools are fully responsive and work on phones and tablets.

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