Renting vs. Buying

A full rent-vs-buy model with transaction costs, ownership costs, tax assumptions, reinvested cash flow, payoff logic, and a year-by-year table.

Winner
Rent + Invest wins
by $2,603,087 more than buying.
Buying result
$11.1M
Rent + invest result
$13.7M

Home purchase inputs

Core purchase and mortgage assumptions.

$
%
%
%
yrs
yrs

Long-term outcome

Rent + Invest is ahead by $2,603,087 after 30 years.

Transaction & ownership costs

Grouped separately so depth is preserved inside this calculator.

%

$25,000

%

$194,604

%

$917 / month

$

$300 / month

%

$833 / month

$

Rent & market alternative

Rental path and alternate investment assumptions.

$
$
%
%

Custom return

0

Index presets use approximate 30-year annualized historical total-return averages with dividends reinvested. They are planning assumptions, not forecasts.

Ownership cost

Today's monthly cash waterfall for the buyer path.

Starting monthly cash before housing$10,000
Less monthly mortgage-$4,542
Less property taxes-$917
Less insurance-$300
Less maintenance-$833
Monthly ownership cost$6,592
Buyer cash left to invest today$3,408

This is a current-month view. The year-by-year table still uses the full model.

Advanced assumptions

Tax benefit assumptions.

%
$

Year-by-year comparison

Full yearly output for buyer vs. renter.