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⚖️ Rent vs. Own Calculator

True 10–30 year cost comparison including tax savings, equity, opportunity cost & appreciation.

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Renting
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Owning
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Analysis Parameters
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💡 Tax Benefit of Owning: Mortgage interest is tax-deductible. Your bracket determines how much the government effectively subsidizes your ownership cost. At 22%, every $1,000 in interest costs you only $780 net.
The longer you stay, the more owning tends to win. Break-even is typically 4–7 years in most markets.

🏘️ True Cost of Renting

🏠 True Cost of Owning

⏱️ Break-Even Analysis

🏠 Check Affordability → 📅 Mortgage Payoff →

Year-by-Year Comparison

Year Cum. Rent Cost Cum. Own Cost Equity Built Home Value Tax Savings (Cum.) Winner

Net Cost Over Time (after equity & tax savings)

Year 10: Cost Breakdown