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R
Compare the lifetime cost of renting vs. buying. See , equity, tax benefits, and . Free, no signup required.
-$331,010
Net wealth advantage over 10 years
Buying Path
Total Cost
$354,790
Home Value
$470,371
Net Worth
-$121,792
Renting Path
Total Cost
$280,733
Investment Portfolio
$489,950
Net Worth
$209,217
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Example output — not real data
🏠
Buy (+$45K)
10yr Winner
⏱️
4.2 years
Break-Even
📊
$38K
Opportunity Cost
Model appreciation, flat, and declining markets side by side
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See how your rent vs. buy decision impacts your overall retirement timeline. Model multiple scenarios, run Monte Carlo simulations, and find your path to financial independence.
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The rent vs. buy decision is one of the most significant financial choices you'll make. It's not just about comparing monthly rent to mortgage payments—it's about understanding the total cost of ownership, including property taxes, insurance, maintenance, and the of your down payment.
Key Factors to Consider
This calculator helps you model your specific situation. Try different scenarios to see how changes in interest rates, home prices, or rent growth affect the outcome. Remember, the "right" choice depends on your personal goals, financial situation, and lifestyle preferences.
Sagery provides educational estimates, not financial advice. All projections are based on the assumptions you provide — actual results will vary. Consult a qualified financial advisor before making financial decisions.