Rent vs Own Scenario Planner

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Compare the long-term cost of renting versus buying a home with equity growth, appreciation, and rising rents.

Interactive planning modes Try starter, balanced, or long-term ownership scenarios and see how the numbers change.
Mortgage + equity view included

Scenario Inputs

This calculator is for educational purposes only. Results are estimates and do not include every tax, financing, legal, or market variable.

Comparison Snapshot

Estimated Net Cost to Own
$0
Costs less sale proceeds/equity
Estimated Net Cost to Rent
$0
Total rent paid over time
Projected Home Equity
$0
At end of the selected term
Estimated Difference
$0
Positive means buying wins
Cumulative Cost Over Time
Ownership Outcome Mix
Monthly Mortgage P&I
$0
Ending Home Value
$0
Remaining Loan Balance
$0

Amortization & Scenario Calendar

Year Phase Home Value Loan Balance Equity Owner Annual Cost Cumulative Own Net Annual Rent Cumulative Rent
Owner cost includes mortgage payments, taxes, insurance, maintenance, HOA, and purchase costs. Estimated net ownership cost is reduced by sale proceeds after selling costs and remaining mortgage balance.

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