Math & Calculators

Rent vs Buy Calculator

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Rent vs. Buy Decision Engine

Compare the true 10-year total cost of homeownership vs. renting with appreciation and equity math.

Rental Parameters

Purchase Parameters

7-Year Mathematical Verdict

Buying Wins by $10,300

Estimated break-even point is at ~year 7. After this year, equity and appreciation overtake rent expenses.

Total Rent Cost

$205,376

Over 7 years

Net Buy Cost

$195,076

After equity sale

Initial Buy Monthly

$3,069/mo

P&I + Tax + Ins

Home Equity Built

$230,559

In year 7

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