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Rent vs buy calculator
Compare renting with buying a home over the years, including mortgage, costs and growth.
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About Rent vs buy calculator
Compares renting and buying over the years, including mortgage, upkeep, taxes, home price growth and what you could earn investing the deposit. Buying often wins only if you stay long enough to cover transaction costs, so the time horizon matters as much as the rate.
How to use Rent vs buy calculator
- Enter your numbers above.
- The result updates instantly as you type.
- Change any value to compare different cases.
Why use this tool?
- Private: everything happens in your browser. Nothing you enter is uploaded.
- Free, with no sign-up, no watermark and no limit on how often you use it.
- Works on phones, tablets and computers: Android, iPhone, Windows, Mac and Linux. Nothing to install.
- Available in 10 languages.
Also known as
Frequently asked questions
How long should I stay for buying to pay off?
Often five to seven years or more, depending on prices, rates and costs. The comparison year-by-year here shows when buying overtakes renting.
Is Rent vs buy calculator free?
Yes. Rent vs buy calculator on Toolipedia is free to use, with no sign-up and no watermark.
Is it safe to use?
Yes. Everything is worked out in your browser, and nothing you enter is sent to our server.
Does it work on my phone?
Yes. It works in any modern browser on Android and iPhone, as well as on tablets and computers. There's nothing to install.
Do I need an account?
No. Just open the page and use the tool. There's no sign-up and no email needed.