Should you rent or buy?

Find out which option leaves you with more money. Four questions, real math, instant answer.

Home price?

Total asking price of the home you're considering.

$
Assuming 7% mortgage · 3% closing · 3% appreciation
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Down payment?

Your upfront payment, typically 3–20% of home price.

20%
0%100%
Assuming 0.5% PMI if under 20% down
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Monthly rent?

What you'd pay per month if you rent instead.

$
Assuming 3% rent growth · $15 insurance · $150 utilities
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How long will you stay?

Buying tends to make more sense the longer you stay.

10 years
1 year30 years
Assuming 8% returns · 1.2% property tax · 0.5% insurance
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The better choice
IF YOU BUY
WINNER
You spend
You walk away with
sell the home and pocket the equity
IF YOU RENT
WINNER
You spend
You walk away with
invest what you save and cash out
This assumes you invest the savings
Monthly costs (Year 1)
Buying
See details ↓
Renting
See details ↓
When does buying break even?
Buying Renting

Projections based on assumptions. Consult a financial professional before making major decisions.

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Customize every assumption to match your real financial situation.

Adjust mortgage rates, taxes & insurance

Match your exact situation

Set custom HOA fees and utilities

Factor in every monthly expense

Configure investment returns & rent growth

Model different market scenarios

Set your actual investment behavior

Will you really invest the savings? Adjust it.

Fine-tune tax assumptions & selling costs

Account for capital gains and fees

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