Rent vs Buy Comparison

Financial comparison of renting vs. owning a home. 100% private, no uploads, works offline.

Purchase Details

Rental Details

Market Assumptions

Comparison Summary

Renting is better by

$17,909

Net Wealth if Buying

$239,837

Net Wealth if Renting

$257,746

Net Wealth Over Time

Avg Monthly Cost (Buy)

$2,284

Avg Monthly Cost (Rent)

$1,742

Total Sunk Costs (Buy)

$228,772

Total Sunk Costs (Rent)

$209,039

How to use

Compare the true costs of renting versus buying a home over time.

1

Purchase Details

Input home price, down payment, and mortgage rate.

2

Rent Details

Input monthly rent and expected annual rent increase.

3

Market Assumptions

Configure inflation, home appreciation, and investment returns.

4

Compare

View the detailed breakdown to see which option builds more wealth.

Related Blog Posts

Learn more about how to use this tool effectively.

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2026-04-07

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How to Calculate if Renting is Better than Buying in 2026 (EN)

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A step-by-step guide to using our free Rent vs Buy Comparison tool.

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Frequently Asked Questions

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Works Offline

Once loaded, the tool works without an internet connection for max privacy.

Accessible to All

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SECURE & LOCAL

100% Local Processing

Your files never leave your device. All processing happens directly in your browser to ensure absolute security.

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