Rent vs Buy Calculator
Compare renting versus buying cash out over a U.S. time horizon.
Enter rent, home price, down payment, mortgage rate, and years.
The tool estimates total rent paid versus total buyer cash out.
It helps frame housing affordability before deeper analysis.
Estimated rent cost$201,600
Estimated buy cash out$319,140
Lower cash outRenting
This is a simplified cash-out comparison. It excludes appreciation, selling costs, tax effects, and investment returns.
About this calculator
What it estimates
- Enter home price, rent, and time horizon
- Add interest rate and basic costs
- See an estimated rent vs buy comparison
Important notes
- Includes simplified mortgage, property tax, and maintenance assumptions.
- Excludes home appreciation, selling costs, tax deductions, and investment opportunity cost.
- Use as a directional planning tool, not a final buy/rent decision.
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