Rent vs Buy Calculator

Compare buying a home with renting and investing the difference over the years you plan to stay, including appreciation, upkeep and selling costs.

Tip from Tink: The longer you stay, the more buying tends to win — selling costs eat short stays.

Home price ($)Down payment (%)Mortgage rate (%)Years you'll stayMonthly rent ($)Rent increase / yr (%)Home value growth / yr (%)Investment return / yr (%)Property tax + insurance (%/yr)Maintenance (%/yr)

Better choice

Rent

Buyer ends with

$174,409.42

Renter ends with

$197,180.98

Mortgage payment

$2,022.62

Assumes a 30-year mortgage, 3% buying costs and 6% selling costs, and that the renter invests the down payment plus any monthly difference. This is an estimate, not financial advice.

How to use the Rent vs Buy Calculator

Enter the home price, down payment and mortgage rate.
Enter rent and how many years you'll stay.
Compare what you'd have at the end either way.

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