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Rent vs Buy Calculator
Compare the true total cost of renting vs buying over any time period. Find your break-even point and make a confident decision.
🏢 Total Cost of Renting$0
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Cumulative Cost Over Time
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Frequently asked questions
When does buying make more sense than renting?
Buying generally becomes more cost-effective the longer you stay in a home. Most calculators show a break-even point between 3-7 years depending on your local market, mortgage rate, and how much rents increase annually.
What is opportunity cost in this calculator?
If you rent instead of buying, you keep your down payment invested. The opportunity cost is the investment return you would earn on that money. This is an important but often overlooked advantage of renting.
Is this calculator free?
Yes — completely free with no account or signup required.