Homeownership tools
Rent vs. Buy Calculator
Compare estimated rent and homeownership cash costs at one, three, five, and ten years.
Free, private estimate
Enter your assumptions
Partner offer area
Explore options is not connected. HomeMoneyTools does not display lender rates, savings claims, or partner offers until approved links are configured.
HomeMoneyTools provides calculators and educational information for general informational purposes only. Results are estimates and may not reflect actual lender terms, taxes, insurance, fees, market conditions, or other costs. HomeMoneyTools does not provide lending, financial, tax, legal, real-estate, or investment advice. Always verify important financial information with the appropriate licensed professional or provider.
How this estimate works
This comparison presents estimates under the assumptions you enter. Neither renting nor buying is universally better; mobility, risk, savings, and market conditions matter.
HomeMoneyTools provides calculators and educational information for general informational purposes only. Results are estimates and may not reflect actual lender terms, taxes, insurance, fees, market conditions, or other costs. HomeMoneyTools does not provide lending, financial, tax, legal, real-estate, or investment advice. Always verify important financial information with the appropriate licensed professional or provider.
Common questions
Does the calculator include home appreciation?
Yes, it estimates appreciation using your entered annual assumption.
Does it recommend rent or buy?
No. It presents estimated costs and equity so you can weigh your own priorities.