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🏠 Rent vs Buy Calculator

Should you rent or buy? Compare the true total cost of renting vs buying a home with property appreciation, tax benefits, and opportunity cost analysis.

Compare Rent vs Buy Free →

How It Works

  1. Enter property and rent details — home price, down payment, mortgage rate, and current monthly rent.
  2. Add ownership costs — property tax, insurance, maintenance, and HOA fees for a complete picture.
  3. Get a clear verdict — see which option saves you more money over your chosen time period with detailed breakdown.

What You Get

Should I Rent or Buy? Find Out → 📚 Read the complete rent vs buy guide with real examples

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<iframe src="https://calciq.app/app?calc=rent-vs-buy"
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  loading="lazy"></iframe>
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Frequently Asked Questions

Is it better to rent or buy in 2025?

It depends on your location, income, and how long you plan to stay. Generally, buying makes sense if you stay 5+ years and the price-to-rent ratio is below 20. Our calculator gives a personalized answer based on your numbers.

What costs does the calculator include?

Mortgage payments, property taxes, insurance, maintenance, HOA fees, opportunity cost of down payment, property appreciation, tax deductions, rent increases, and investment returns on savings difference.

How long should I stay to make buying worth it?

In most markets, you need 5-7 years for buying to break even against renting due to closing costs. Our calculator shows the exact breakeven point for your situation.