Rent vs. Buy Calculator
A true financial comparison that accounts for investment returns, home appreciation, and the opportunity cost of your money.
Home Purchase
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Ongoing Costs
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Transaction Costs
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Rent Details
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Growth Assumptions
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Tax Benefit
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If you itemize deductions on your tax return instead of taking the standard deduction, your mortgage interest and property taxes may be tax-deductible — reducing the true cost of homeownership. Most homeowners only benefit if their total itemized deductions exceed the standard deduction ($14,600 single / $29,200 married filing jointly).
Buy Net Worth
Rent + Invest
This calculator compares the total financial outcome of buying vs. renting and investing the difference. Stock returns and home appreciation are nominal. All ongoing costs inflate annually. This is an estimate — contact us for personalized guidance.