Rent vs. Buying Home Calculator
Rent vs. Buying Home
Compare total wealth accumulation between property ownership and index fund investing.
Investment Benchmark
Home Buying
Renting
Break-Even Year
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Monthly Mortgage (P&I)
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30-Yr Portfolio Value
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Financial Logic: This calculator compares the Net Wealth of both paths.
The Buying path calculates equity gain minus interest, taxes (1.2%), maintenance (1%), and 6% selling fees.
The Renting path assumes the down payment and the monthly cost difference are invested in your chosen market index.