Opportunity Cost Calculator
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Renting and buying both have hidden costs. Rent vs Buy accounts for the opportunity cost of your down payment, home equity, invested savings, and more, so you can see the full financial picture.
A real answer, not a rule of thumb
Most calculators stop at the monthly payment. This one runs both paths all the way out, covering equity, appreciation, invested savings and taxes, then tells you who ends up ahead.
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What it models
Both sides are carried forward to a single number: what you're actually worth after each time horizon.
The renter invests the down payment and closing costs, plus any month renting is cheaper, at your expected market return.
Find the point where the winning strategy switches, and the appreciation or stock return that would flip it.
A grid of home appreciation against stock return, so you can see how fragile or safe the answer really is.
PMI that cancels itself at 20% equity, HOA, maintenance, closing costs, property tax, insurance and utilities on both sides.
Compares itemizing against the standard deduction each year, and invests the difference, which shrinks as your interest does.
No catch
Every feature is unlocked for everyone. There's no Pro tier, nothing is held back behind a paywall, and there are no ads anywhere in the app.
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Rent vs Buy