Rent vs Buy Calculator
Compare renting with buying using mortgage payments, fees, property taxes, home appreciation and investment return.
Hit Calculate to see the comparison
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Small changes in appreciation, rent growth, mortgage rate or holding period can reverse the result.
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Test a different holding period, appreciation rate and rent growth without changing your main inputs.
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It estimates total renting costs, then compares them with the net cost of buying after mortgage payments, taxes, insurance, HOA, maintenance, closing costs, selling costs, remaining loan balance and projected home value.
The break-even year is the first full year where buying is estimated to cost less than renting. Short stays often favour renting because closing and selling costs are spread across fewer years.
Yes. The model grows the renter's upfront cash difference and monthly savings at the selected investment return, then subtracts that renter investment value from the effective renting cost.
Results are estimates generated locally in your browser from the inputs provided. They are for informational planning only and are not financial, mortgage, tax, legal or real-estate advice. Actual costs can vary by lender, location, insurance, taxes, closing disclosures, repairs, market conditions and investment performance. Consult qualified professionals before making housing or financing decisions. VisionVix accepts no liability for decisions based on this output.
