Finance / Housing
Rent vs buy calculator
Compare renting with investing the down payment vs buying on a mortgage over a horizon. Prices assumed flat.
Output currency
Results show in US Dollar. Default is USD. Pick any currency, or use the one for your location.
Buy: cash spent
$308,700
Buy: remaining loan
$289,332
Buy: home equity (price − loan, no appreciation)
$110,668
Rent: rent paid
$151,200
Rent: down payment invested
$128,463
Rent: wealth if monthly gap is also invested
$228,104
Home price is held flat. No selling costs, tax relief, or rent inflation. Compare equity vs renter investments — not a recommendation.
FAQ
Questions, answered
Is my salary or loan data uploaded?Open
No. The maths runs in this tab. Close the page and the numbers are gone.
Are the tax rates official?Open
They follow commonly published slabs for the current year, labelled as estimates. Confirm on the government site before you file.
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