// multi-utility computation suite · offline · instant · precise
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real.rent-vs-buy Calculator
Compares the 5-year and 10-year total cost of renting versus buying a home, accounting for opportunity cost, rent inflation, property appreciation, and transaction costs. The rent-vs-buy decision is rarely clear-cut — this surfaces the break-even time horizon.
Inputs
Home Price
The agreed sale price of the home. Your down payment is typically a percentage of this figure.
Rent
Reference formula or conversion factor shown for context.
Rate
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
Years
Duration of the process. Make sure units match the rate inputs (seconds, minutes, or hours).
Results
buy: monthly payment
Fixed monthly instalment covering principal and interest. Does not include property tax or insurance unless explicitly shown.
rent: monthly
Sample size or count used in the calculation.
buy total cost over
The combined total across all inputs and components.
rent total cost over
The combined total across all inputs and components.
est. equity after
Reference formula or conversion factor shown for context.