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Rent vs. buy calculator

Show when buying comes out ahead of renting, with a chart clients understand.

For real estate agents

The question every renter asks

Show renters when buying starts to pay off.

Compare rent with the full cost of owning, including equity and appreciation. See the breakeven year and share a branded graphic.

Renting comes out ahead if you stay 7 years.
A clear verdictOne sentence, backed by your numbers.
$0k $164k $328k $492k $656k Yr 1 Yr 5 Yr 10 You stay 7 yr Breakeven · yr 9
Breakeven chartRenting vs buying over time, with the crossover marked.
RENT VS. BUY Renting comes out ahead if you stay 7 years. Buying pulls ahead after 9 years, so it may pay off if you stay longer. $0k $164k $328k $492k $656k Yr 1 Yr 5 Yr 10 You stay 7 yr Breakeven · yr 9 Renting, total cost Buying, net cost after equity Estimate only. Not a guarantee, loan offer or appraisal. Your name Your brokerage · DRE #00000000 Made with Prosperk
Share graphicSquare or portrait for social, with assumptions on the PDF.
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Renting

Result
Renting comes out ahead if you stay 7 years.
Buying pulls ahead after 9 years, so it may pay off if you stay longer.
$0k $164k $328k $492k $656k Yr 1 Yr 5 Yr 10 You stay 7 yr Breakeven · yr 9
Renting, total costBuying, net cost after equity
Rent paid · 7 yr$294,239
Net cost to buy · 7 yr$321,203
Home equity · 7 yr$344,863
Assumptions
  • Rent $3,200/mo, rising 3%/yr
  • $725,000 home, 20% down, 6.25% 30-yr fixed
  • Tax 1.1%/yr (up 2%/yr), insurance $1,800/yr, HOA $0/mo, maintenance 1%/yr
  • Appreciation 3.5%/yr, buying costs 3%, selling costs 6%
  • Down payment could otherwise earn 5%/yr
Estimate only. Not a guarantee, loan offer or appraisal. The same line appears on the graphic and PDF.
Share graphic
RENT VS. BUY Renting comes out ahead if you stay 7 years. Buying pulls ahead after 9 years, so it may pay off if you stay longer. $0k $164k $328k $492k $656k Yr 1 Yr 5 Yr 10 You stay 7 yr Breakeven · yr 9 Renting, total cost Buying, net cost after equity Estimate only. Not a guarantee, loan offer or appraisal. Your name Your brokerage · DRE #00000000 Made with Prosperk
Sample text
What you’ll get: A social graphic PNG and a PDF that lists every assumption.
The PDF lists every assumption so clients can see how you got there.

How it works

A rent vs. buy comparison in three steps

  1. Step 1

    Enter rent

    Monthly rent and how fast it tends to rise.

  2. Step 2

    Enter the home

    Price, down payment, rate, costs and expected appreciation.

  3. Step 3

    See the breakeven

    A chart, a verdict and a graphic you can share.

Why it matters

Renters need to see the whole picture

Rent goes up, equity grows

Comparing total cost over time shows what a monthly payment alone can’t.

Time in the home matters most

The breakeven year helps renters decide if now is the right time.

Assumptions are always listed

Every number is on the PDF, so clients can see how the result was reached.

Questions about the Rent vs. Buy