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Loading your rent vs buy analysis...
Enter your numbers to see which wins
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Year Breakeven
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10yr Buy Cost
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Total cost of ownership
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10yr Rent Cost
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Total rent paid
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Equity Built
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At year 10
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Breakeven
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When buying wins
🎯 The Verdict
Enter your details below to get your answer.
🔑 Renting
Your current or expected rent situation
🏠 Buying
The home you're considering purchasing
📊 Side-by-Side at 10 Years
Total cost comparison including hidden costs and equity
What this means in plain English
Enter your rent, home price, down payment, and mortgage rate above to find your financial break-even year and which choice wins for your situation.
What you should do next
- Fill in your numbers to get specific next steps for your rent vs buy decision.
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Timeline Comparison
Total cost of renting vs buying at every milestone
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Equity vs Investing Your Down Payment
What if you rented and invested the down payment in the stock market instead?
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Breakeven Analysis
Exactly when buying becomes cheaper than renting
Total Cost: Rent vs Buy Over Time
Monthly Cost Breakdown (Buying)
Equity Built vs Down Payment Invested
Net Worth Impact at 10yr
Rent vs Buy Analysis Report
Vault & Vessel Studio ·
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How To Use
Make the rent vs buy decision with math, not emotions
🚀 Getting Started
1
Enter Your Rent
Current monthly rent, annual increase rate (most markets 3-5%), and renter's insurance. This is your baseline comparison.
2
Enter the Home
Purchase price, down payment, mortgage rate, property taxes (check your county — typically 0.5-2.5% of home value), insurance, and maintenance budget.
3
See the Truth
Total cost comparison at 5, 10, and 20 years. Equity built vs what your down payment would become if invested. The exact year buying beats renting.
4
Decide with Data
If your timeline is shorter than the breakeven year — keep renting. If longer — buying wins. It's that simple.
📊 Terms Made Simple
Equity: The portion of your home you actually own. Every mortgage payment builds equity. After 10 years, you might own 30-40% of your home's value — that's real wealth you can access later.
Opportunity Cost: The money your down payment COULD earn if invested instead. $42K at 8% returns = $90K+ in 10 years. Buying ties up that cash in a house instead of the market.
Breakeven Point: The exact year where total cost of buying (including opportunity cost) becomes less than total cost of renting. Stay shorter = rent wins. Stay longer = buy wins.
Appreciation: How much your home value grows per year. National average is ~3-4%. This is NOT guaranteed — some markets crash, some boom. Conservative estimates protect you.
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No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Actual costs depend on your local market, tax situation, and personal circumstances. Consult a financial advisor and mortgage professional before making a decision.