Free Calculator
Rent vs Buy
Should you keep renting or is it time to buy? Run the real numbers โ including equity buildup, opportunity cost, and the exact year buying wins.
๐ Equity buildup
๐ฐ Opportunity cost
๐
Break-even year
๐ 30-year chart
โ All Calculators
After 10 years, buying saves you
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...
Total rent paid
โ
no equity built
Buying net cost
โ
after home equity
Home equity built
โ
appreciation + paydown
Break-even year
โ
when buying wins
30-Year Cost Comparison
Renting cumulative cost
Buying net cost (after equity)
The crossover point is your break-even year โ after that, buying costs less in total. The renting line includes opportunity cost of the down payment invested at your selected return rate.
Year
Renting cumulative
Buying net cumulative
Year 10 Total
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Ready to make the move?
Our loan officers can show you exact numbers for a real home in your market โ including today's rates and what you'd qualify for.
Estimates only. Does not include PMI, tax deductions, selling costs, or state-specific fees. Results are for educational purposes and do not constitute a loan commitment.
Quazel Mortgage ยท NMLS #2133626 ยท Licensed in UT, ID, FL & CO ยท Privacy Policy ยท Opt Out
Quazel Mortgage ยท NMLS #2133626 ยท Licensed in UT, ID, FL & CO ยท Privacy Policy ยท Opt Out