◈ FINANCE Updated July 25, 2026

Rent vs Buy Calculator

A clear side-by-side of what renting and owning actually cost each month.

Home price
Down payment
Mortgage rate (%)
Term (years)
Yearly tax, insurance & upkeep
Monthly rent
Result
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How it works

Owning is priced as the amortised mortgage payment plus a twelfth of your annual taxes, insurance and maintenance. Renting is the monthly rent. The first-year view adds your down payment so the upfront gap is visible.

Related tools

◨Compound Interest Calculator◈Loan Calculator◫Profit Margin Calculator

Frequently asked questions

Does it account for house price growth?

No. It compares cash cost only, which is the part most people underestimate.

What upkeep figure should I use?

One to two percent of the property value per year is a common rule of thumb for maintenance alone.

Comments

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