🏡 Free Financial Tool

Rent vs Buy Calculator 2026

Compare the true financial cost of renting vs buying with 20-year projections, break-even analysis, and personalized recommendations.

📊 20-Year Projections
🎯 Break-Even Analysis
💰 Net Worth Comparison
✅ Affordability Check
📅 Analysis Period10 years
1yr5yr10yr15yr20yr30yr
🏠

Buying Details

$
Comparable homes: $320,000 – $480,000
%
3% Min10%20% No PMI
%
🔑

Renting Details

$
%

Rent vs Buy Calculator 2026 — Complete Financial Guide

Our rent vs buy calculator provides a comprehensive financial comparison using real-world cost assumptions. Unlike basic calculators, we model the full cost of homeownership including property taxes, maintenance (1-2% annually), insurance, HOA fees, and closing costs — and compare it against renting while investing the difference in a diversified portfolio.

Key factors in your rent vs buy decision: the price-to-rent ratio in your market, how long you plan to stay, current mortgage rates, your down payment saved, and your expected home appreciation rate. Our 2026 rates reflect current market conditions for accurate projections.