No. All calculations are performed directly in your browser. We do not store or track any of the financial numbers you input into this tool.

How accurate is this calculator?

This calculator provides estimates based on standard formulas. Real-world results will vary based on inflation, exact daily compounding methods, and fee structures of specific financial institutions.

Rent vs Buy Calculator

Compare the long-term math of housing decisions.

Quick Summary

Compare the total cost of renting versus buying a home over your planned time horizon, including opportunity cost of the down payment.

Input Your Numbers

Current Rent ($/mo)

Target Home Price ($)

Down Payment ($)

Mortgage Rate (%)

Timeframe (Years)

Monthly Buy Cost

$2,906

Includes mortgage, taxes, ins, maintenance

Difference over 10 years

$108,714

Renting is cheaper

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Average Monthly Spending by Category (U.S.)

National data for comparison. See how your numbers stack up.

Category	Value	Source
Housing	$2,025	BLS Consumer Expenditures
Transportation	$1,052	BLS Consumer Expenditures
Food	$886	BLS Consumer Expenditures
Insurance/Pension	$768	BLS Consumer Expenditures
Healthcare	$488	BLS Consumer Expenditures
Entertainment	$288	BLS Consumer Expenditures