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v1.1UtiliviseStudioDeveloper & Content Creator Toolkit
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Quick Summary
Compare the multi-year financial outcome of renting versus buying — including home equity, appreciation, all carrying costs, rent growth, and the opportunity cost of investing your down payment instead.
Interactive Client Prototype Sandbox
Buying — net after 10y-$163,385
Renting — net after 10y-$143,372
Renting comes out ahead by $20,013 · renting leads the whole period
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Buy Rent
Estimate only. "Net" counts home equity and the renter's invested down payment as assets, minus all money spent. Ignores taxes on gains, closing/selling costs, and rent vs. mortgage cash-flow differences beyond what's modeled.
How to use the Rent vs. Buy Calculator
Step-by-Step Guide
Enter the home price, down payment, loan terms, ownership costs, appreciation, your rent and its growth, an investment return, and a horizon in years. The tool charts each path's net position and tells you which wins and when.
ExampleA $400k home vs $2,000/mo rent over 10 years ➔ shows the break-even year and how far ahead buying or renting ends up.
Who it's for
Renters weighing a first purchase, relocating professionals, and personal-finance planners.
Core Features
- Year-by-year net-position simulation for both renting and buying.
- Counts home equity and appreciation against all buying carrying costs.
- Models the renter investing the down payment, with rent growth over time.
- Reports the break-even year, the net-worth difference, and a per-year chart.
🛡️ No tracking — your inputs, keys, and details never leave this client sandbox.