Rent vs Buy Calculator

Buy or rent? Break-even year with equity, appreciation and rising rent.

Input Parameters

Home Market Value ($)

Down Payment (%)

Annual Interest Rate (%)

Loan Term

Annual Property Tax ($)

Homeowners Insurance ($/yr)

Monthly rent

Rent growth (%/yr)

Home appreciation (%/yr)

Buying wins

Break-even year: 1 Year

Total Monthly PITI Payment1,867

Monthly rent (1st yr)1,500

Year · Buy vs Rent (cum.)

Buying (total)Renting (total)

175 available

Annuity and differentiated monthly installments, interest breakdown, and amortization schedule.

Calculate PITI (Principal, Interest, Taxes, Insurance), PMI, and accelerated payoff savings.

Visualize compound growth with recurring deposits, annual rate, and investment horizons.

Add or extract Value Added Tax (VAT) with international country presets.

Analyze profitability and percentage return on business capital and investments.

Gross to net salary with income tax, social contributions and deductions, monthly and annual.

Compare buying with a mortgage against renting: PITI payments, equity buildup and appreciation versus rising rent, with the break-even year.

What is the break-even year?

The first year when cumulative buying costs fall below cumulative renting costs.

Is appreciation guaranteed?

No — it is an assumption; lower it to stress-test the decision.

What is PITI?

Principal, interest, property tax and insurance in one monthly payment.