Rent vs Buy Calculator

Should You Rent or Buy?

Enter your numbers and get a complete financial analysis — costs, break-even point, 10-year projection, and a clear recommendation.

📊 Full 10-year projection
⚖️ Break-even analysis
🏠 Personalised recommendation
Enter Your Numbers
Fill in both scenarios — we'll do the rest.
🏠 Rental Costs
Monthly Rent $1,800
Renter's Insurance / month $25
Annual Rent Increase % 3%
Upfront Moving / Deposits $3,600
$
🔑 Purchase Details
Home Purchase Price $350,000
Down Payment % 10%
Mortgage Interest Rate % 6.8%
Loan Term 30 yrs
Monthly Costs
Property Tax / month $350
Home Insurance / month $120
HOA Fees / month $0
Maintenance (% of value/yr) 1%
📈 Market Assumptions
Annual Home Appreciation % 3.5%
Closing Costs (% of price) 3%
Selling Costs (% of price) 6%
Investment Return on Down Payment % 6%
How long will you stay? (years) 7 yrs
🏠

Your Analysis Awaits

Fill in your numbers on the left and click Calculate — your full rent vs buy analysis will appear here.

Calculator results are estimates for educational purposes only and do not constitute financial advice. © 2026 Kodgeti Group · Mina & Ebi Love