Rent vs. Buy Calculator — 10-year net wealth, not just monthly cost
[Pendiente de traducción profesional. Contenido en inglés mostrado como base.]
Is it better to rent or buy?
The Rent vs. Buy Calculator compares the 10-year net-wealth outcome of buying a home versus continuing to rent, factoring in down payment, appreciation, maintenance, selling costs, tax deductions, and rent inflation. Use it to find the year buying overtakes renting — and whether your timeline justifies a purchase at all.
Preguntas frecuentes
Is it better to rent or buy right now?+
It depends on how long you'll stay, local price-to-rent ratio, your down payment, and expected appreciation. The calculator runs both scenarios out 10 years and reports the year buying beats renting — usually 3–7 years, but shorter or longer based on your inputs.
How long before buying beats renting?+
The break-even year is the point where net wealth from owning (equity + appreciation, minus costs) overtakes net wealth from renting (down payment invested, minus rent). For most buyers in stable markets it's 4–6 years.
Does the calculator include selling costs?+
Yes. It applies typical selling costs (~6–8% of the future home value) when computing equity at the end of the comparison period, so the buy scenario reflects what you'd net if you sold.
Rent vs. Buy Calculator
Comprar
Alquilar
Diferencia de riqueza neta a 10 años (Comprar − Alquilar)
$144,310
- Veredicto
- Según sus datos, comprar supera a alquilar después del año 3.
- Año de equilibrio (comprar)
- Año 3
- Neto al comprar (año 10)
- -$211,231
- Neto al alquilar (año 10)
- -$355,542
¿Listo para ver para cuánto califica?
Precalifíquese en unos 8 minutos — sin consulta de crédito.
Results are estimates for comparison only. Actual rates, fees, and payments depend on your credit, lender, and market conditions. Not a commitment to lend.
Datos clave
- Output
- 10-year wealth comparison
- Includes
- Appreciation, taxes, maintenance
- Includes
- Rent inflation + invested down payment
- Break-even
- Year buying overtakes renting
Programa de préstamo
Conventional Loan