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A quick way to understand who this helps, what it solves, and where it connects next.
People deciding whether to rent or buy a home.
Using the rent vs buy calculator without installing anything or signing up.
Capture rent-vs-buy-calculator intent with a fast, browser-side tool that runs 100% locally.
Cleanor Labs
These sections explain the job in plain language and set expectations for what the tool should do well.
This rent vs buy calculator compares the real cost of renting against buying a home over the number of years you plan to stay. The buying side accounts for your mortgage principal and interest, property tax, maintenance, and home appreciation, then nets out the equity you would keep if you sold, including selling costs. The renting side adds up rent with its yearly growth and subtracts the investment return you would earn by putting your down payment in the market instead. The result shows the net cost of each path, the break-even year, and a year-by-year table. Every assumption is shown and adjustable, and all numbers stay on your device.
Short answers for the questions people usually have before trying a utility like this.
It is the first year in which the net cost of buying (money spent minus the equity you would keep on sale) drops to or below the net cost of renting.
If you rent, the down payment you did not spend can be invested. Counting that growth makes the comparison fair rather than favoring buying by default.
No. It is an estimate based on the assumptions you enter and is meant to explore scenarios, not replace advice from a professional.
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Compare the true cost of renting against buying a home over the years you plan to stay, including mortgage, taxes, maintenance, appreciation, and the return you could earn by investing your down payment instead.
Costs are shown without a currency symbol so they work anywhere. This is an estimate, not financial advice. All numbers stay on your device.
| Year | Buy (net) | Rent (net) | Home value | Equity |
|---|---|---|---|---|
| 1 | 41,815 | 19,200 | 412,000 | 95,577 |
| 2 | 59,303 | 38,832 | 424,360 | 111,753 |
| 3 | 76,448 | 58,900 | 437,091 | 128,556 |
| 4 | 93,227 | 79,409 | 450,204 | 146,013 |
| 5 | 109,622 | 100,361 | 463,710 | 164,155 |
| 6 | 125,609 | 121,760 | 477,621 | 183,012 |
| 7 | 141,164 | 143,609 | 491,950 | 202,618 |
| 8 | 156,263 | 165,908 | 506,708 | 223,007 |
| 9 | 170,878 | 188,660 | 521,909 | 244,216 |
| 10 | 184,982 | 211,865 | 537,567 | 266,283 |
Buy (net) counts every dollar spent minus the equity you would keep if you sold that year. Rent (net) counts rent paid minus the growth on your invested down payment.