Deciding whether to rent or buy a home is one of the biggest financial decisions you’ll make. Our free Rent vs Buy Calculator runs 1,000 simulations based on your local market data to show you which option builds more wealth over time.
Rent vs. Buy Calculator
1,000 Monte Carlo simulations — see which option builds more wealth
Home Details
$100K$2M
3%50%
2%12%
Ownership Costs
0.1%3.5%
$400$8,000
0.1%3%
$0$2,000
Rent & Market Returns
$500$10,000
0%8%
1%15%
0%8%
Analysis Settings
1 yr30 yrs
1%6%
2%10%
…
…
Break-even Year
—
median scenario
Buy Wins In
—
of 1,000 simulations
Net Worth Gap
—
at horizon (median)
Net Worth Over Time
Buying
Renting
P10–P90
Monthly Cost Breakdown — Year 1
⚠️ For educational purposes only. Not financial advice. Simulations apply random variation to home appreciation, investment returns, and rent growth using a normal distribution. Actual results will vary.
