How to use the rent vs buy calculator
- Monthly rent: Starting monthly rent.
- Annual rent increase (%): Assumed annual rent growth.
- Home price: Purchase price.
- Down payment: Upfront down payment.
- Monthly ownership cost: Mortgage, tax, insurance, HOA, and maintenance.
- Buy and future sale costs: Combined transaction-cost estimate.
- Years: Comparison period.
- Select the button and review the result.
Worked example
Compare both totals using consistent assumptions.
Method and limitations
Cumulative rent versus simplified ownership cash outflow.
Does not model equity, appreciation, mortgage balance, tax effects, opportunity cost, or inflation.
Common questions
Why might another result be different?
Inputs, rounding, policies, rates, and assumptions can differ. Compare like-for-like values and use current official information when a rate or rule can change.
Does NidXee save my entries?
No. The calculation runs in your browser. Reloading or closing the page may clear it.