Rent vs Buy Analyzer

Compare the long-term cost of renting versus buying based on your time horizon, expected rent increases, home appreciation, and mortgage terms. This is an educational tool, not financial advice.

Enter your assumptions

Rent you pay or expect to pay if you continue renting.
Typical assumption is around 2–4% a year.
How long you expect to stay before selling or moving.

Target purchase price of the property.
Cash you put down upfront.
Mortgage interest rate.
Standard fixed-rate mortgage term.
Expected average change in home value per year.
Rough rule of thumb: 1%–2% of property value annually.
Used for more realistic ownership cost.
Approximate annual insurance premium.

Your comparison

    This simplified model ignores some costs (closing costs, HOA fees, tax deductions, opportunity cost of cash). Use it as a starting point and consult a professional advisor for detailed planning.

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