Rent vs Buy Calculator

Compare renting vs buying with the 5% rule and real mortgage math.

Monthly rent ($):

Home price ($):

Down payment (%):

Mortgage rate (%):

Simplified comparison only — not financial advice.

How to use

Enter rent, home price, down payment and rate, then click Compare. Everything runs in your browser — nothing is uploaded or stored.

What is the 5% rule?

Unrecoverable costs of owning (tax, maintenance, capital cost) run ~5% of home value yearly.

Is this financial advice?

No — a simplified comparison. Talk to an advisor for your situation.

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