Rent VS Buy

Which makes more financial sense?(You might be surprised!)

Buying your first home? Deciding whether to keep renting? Thinking about a property as an investment? Most calculators stop at rent versus buy — this one compares five paths and counts the money you could have invested instead, using your own numbers.

  • Rent only
  • Buy only
  • Rent & invest
  • Buy & invest
  • Rental property

Paste a listing link you saw

Some sites block links.

or enter the numbers yourself below

1The essentials

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yrs
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2Costs of owning

Estimated costs are placeholders, not local quotes. Replace them with known amounts.

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Maintenance / year $0

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3Your assumptions

Starting assumptions, not forecasts. Returns and price growth are not guaranteed; the same annual rates are used throughout.

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Want to see how your stock market return compounds over time? Open the compound interest calculator →

Other assumptions and property details

Property

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Mortgage

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Ongoing costs and time horizon

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yrs

Taxes at exit (optional)

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Investment exit taxes: not modeled. Property exit taxes: not modeled. Enter applicable rates in other assumptions; zero does not mean you owe no tax. Maintenance stays fixed; taxes and building fees grow at their own annual rates.

Results

Your answer appears here

Still needed:

  • Purchase price
  • Mortgage rate
  • Your current rent
  • Cash left each month after living costs
Optional: compare a rental property

Keep renting where you live and buy this home to let to someone else. This adds a separate path to the full breakdown, not the main homebuyer answer.

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