Rent vs Buy Calculator

Compare the wealth you end up with by buying a home or renting and investing.

Inputs

Home price
Down payment (%)
Loan rate (%)
Loan years
Monthly rent now
Rent increase (% per year)
Home appreciation (% per year)
Investment return (% per year)
Compare after (years)

How it is calculated

Both paths spend the larger of EMI and rent each month. Whoever pays less invests the difference. Buyer wealth = home value − loan + investments; renter wealth = investments (starting with the down payment).