About Rent vs. Buy Property Investment Calculator
Evaluate whether renting or buying a home builds more long-term wealth. Analyzes mortgage interest, property taxes, maintenance, selling fees, rent inflation, and stock market opportunity cost.
Key Capabilities & Features
- Multi-year net wealth projection across 5, 10, 15, and 30-year horizons
- Automatic breakeven year crossover detection
- Accounts for home appreciation, property tax, and ongoing maintenance (1-2%/yr)
- Renter investment model compounding down payment savings in market index funds
- Year-by-year financial snapshot table comparing net worth
How to Use Rent vs. Buy Property Investment Calculator
Input Home & Rent Prices
Enter target home purchase price and equivalent monthly rental cost.
Set Planning Horizon
Select how many years you plan to stay in the home (e.g. 5, 10, or 15 years).
Calibrate Economic Assumptions
Set home appreciation rate, rent inflation rate, and stock market returns.
Review Recommendation
See whether buying or renting produces higher net worth and the exact breakeven year.
Privacy & In-Browser Execution Guarantee
100% client-side calculation. Your financial information never leaves your device.
Frequently Asked Questions
What is the rent vs buy breakeven point?
The breakeven point is the number of years you must own a home before the accumulated equity and price appreciation offset upfront closing costs, mortgage interest, and maintenance.
What is the opportunity cost of buying a home?
The down payment, closing fees, and monthly ownership cost premium could otherwise be invested in liquid stock index funds compounding over time.