Calculation method
Compares estimated owner equity at sale with a renter portfolio that starts with the down payment and buying costs, then invests the monthly difference between owner costs and rent.
Home · General formulas
Rent vs. Buy Calculator
Compare estimated home equity with a renter's invested savings over time. Use the example values or enter your own numbers to explore an estimate.
Currency formatting only—not an exchange-rate conversion. No country-specific tax or government rules are applied.
Your results
See a clear estimate
Enter your details to see a personalized calculation, a simple projection, and the assumptions behind it.
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Assumptions & limits
- Fixed mortgage with the entered term; property tax and maintenance are percentages of original home price.
- Owner equity subtracts the remaining loan and estimated selling costs.
- Renters invest the down payment and costs at the assumed return; costs are simplified and results are not advice.
- Basis: user-entered values.
- Basis: standard fixed-payment and time-value-of-money formulas.
Tax or legal rule year: Not applicable — no country-specific rules are used.