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Corrected mortgage math: fixed monthly payment, interest-only loans that pay off correctly, shorter loans that stop costing after payoff. Both households now invest what they save each month, so every input affects the result. Federal tax rate and standard deduction pre-filled from income and filing status (2026 IRS tables), still editable. Same defaults and Monte Carlo method as rentbuy.org; faster simulation. Clearer labels: net worth before sale costs, headline after.
Rent vs Buy Calculator helps you make one of life's biggest financial decisions with confidence. COMPREHENSIVE ANALYSIS • 30-year side-by-side comparison of renting vs buying • Track home equity growth vs investment portfolio • See exactly when buying becomes more advantageous DETAILED COST BREAKDOWN • Monthly mortgage payments (principal & interest) • Property taxes, insurance, and maintenance • HOA fees and closing costs • Rent increases over time TAX BENEFITS CALCULATED • Mortgage interest deduction • Property tax deduction • Compare itemized vs standard deduction • See actual tax savings year by year INVESTMENT COMPARISON • Model your investment returns as a renter • See how your down payment could grow invested instead • Compare final net worth for both scenarios FLEXIBLE INPUTS • Adjust home price, down payment, and mortgage rate • Set appreciation rates and rent increases • Model different tax situations • Interest-only mortgage options VISUAL CHARTS • Net worth comparison over time • Monthly cost breakdown • Equity vs investment growth Make smarter housing decisions with real numbers. Whether you're a first-time buyer or considering selling, Rent vs Buy gives you the financial clarity you need.