// multi-utility computation suite · offline · instant · precise
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pfin.rent-or-buy2 Calculator
Compares the total 5-year cost of renting vs. buying at equivalent monthly payment, accounting for equity build-up, opportunity cost, and transaction costs. The rent-vs-buy decision depends heavily on how long you stay — this shows the time horizon where buying breaks even.
Inputs
Home Price
The agreed sale price of the home. Your down payment is typically a percentage of this figure.
Monthly Rent
Reference formula or conversion factor shown for context.
Down Pct
Cash paid upfront, reducing the amount you borrow. Putting down 20%+ typically eliminates private mortgage insurance (PMI).
Years
Reference formula or conversion factor shown for context.
Results
monthly mortgage (P&I)
Sample size or count used in the calculation.
monthly rent
Sample size or count used in the calculation.
total rent over
The combined total across all inputs and components.
total PITI over
The combined total across all inputs and components.
down payment needed
Sample size or count used in the calculation.
break-even roughly
The price, quantity, or time at which total revenue equals total cost — neither profit nor loss.