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Loading your rent vs buy analysis...
Enter your numbers to see which wins
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Year Breakeven
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10yr Buy Cost
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Total cost of ownership
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10yr Rent Cost
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Total rent paid
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Equity Built
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At year 10
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Breakeven
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When buying wins
🎯 The Verdict
Enter your details below to get your answer.
🔑 Renting
Your current or expected rent situation
🏠 Buying
The home you're considering purchasing
📊 Side-by-Side at 10 Years
Total cost comparison including hidden costs and equity
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Timeline Comparison
Total cost of renting vs buying at every milestone
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Equity vs Investing Your Down Payment
What if you rented and invested the down payment in the stock market instead?
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Breakeven Analysis
Exactly when buying becomes cheaper than renting
Total Cost: Rent vs Buy Over Time
Monthly Cost Breakdown (Buying)
Equity Built vs Down Payment Invested
Net Worth Impact at 10yr
Rent vs Buy Analysis Report
Vault & Vessel Studio ·
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How To Use
Make the rent vs buy decision with math, not emotions
🚀 Getting Started
1
Enter Your Rent
Current monthly rent, annual increase rate (most markets 3-5%), and renter's insurance. This is your baseline comparison.
2
Enter the Home
Purchase price, down payment, mortgage rate, property taxes (check your county — typically 0.5-2.5% of home value), insurance, and maintenance budget.
3
See the Truth
Total cost comparison at 5, 10, and 20 years. Equity built vs what your down payment would become if invested. The exact year buying beats renting.
4
Decide with Data
If your timeline is shorter than the breakeven year — keep renting. If longer — buying wins. It's that simple.
📊 Terms Made Simple
Equity: The portion of your home you actually own. Every mortgage payment builds equity. After 10 years, you might own 30-40% of your home's value — that's real wealth you can access later.
Opportunity Cost: The money your down payment COULD earn if invested instead. $42K at 8% returns = $90K+ in 10 years. Buying ties up that cash in a house instead of the market.
Breakeven Point: The exact year where total cost of buying (including opportunity cost) becomes less than total cost of renting. Stay shorter = rent wins. Stay longer = buy wins.
Appreciation: How much your home value grows per year. National average is ~3-4%. This is NOT guaranteed — some markets crash, some boom. Conservative estimates protect you.
🔒 Your Data, Your Device
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No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Actual costs depend on your local market, tax situation, and personal circumstances. Consult a financial advisor and mortgage professional before making a decision.