Rent or buy

Let's see...

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Compare

The Numbers

Default assumptions: 6.5% rate, 20% down, 30-yr loan, 2% appreciation, 5% investment return.

All-in monthly (own)โ€”
Break-even rentโ€”
Break-evenโ€”
Over N yearsโ€”
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Net worth if you buyIf you rent and invest

Stats

Mortgage
All-in monthly
Break-even rent
Max price to buy
Loan
Break-even
Interest paid
True cost to own

Over years, side by side

Same cash leaves your pocket each month on both paths; whoever pays less invests the difference.

Buy

Rent

Monthly cost

Year one. Principal is forced savings, the rest is gone.

Price ladder

Same down %, rent and assumptions. Tap a price to load it.

Watchlist

Saved properties, compared on the same horizon.

The renter invests the down payment and buying costs up front, and whoever has the lower monthly outflow invests the difference. Buy net worth is home value minus selling costs minus loan balance, plus anything invested. Fees rise 2% a year; maintenance tracks home value. Estimates only, not financial advice.