Buy or Rent? - finlyzer.com

Home Price ($):

Down Payment ($):

Loan Term (years):

Interest Rate (%):

Annual Property Tax ($):

Annual Home Insurance ($):

Annual Maintenance ($):

HOA Fees ($/month):

Monthly Rent ($):

Renter’s Insurance ($/month):

Investment Return Rate (%):

Inflation Rate (%):

Time Horizon (years):

Home Appreciation (%/year):

Rent Increase (%/year):

Total Cost: $0

Home Equity: $0

Net Cost: $0

Total Cost: $0

Investment Growth: $0

Net Cost: $0

Difference: $0

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Year	Buying Cost	Renting Cost	Difference

This calculator compares the total costs of buying versus renting over your specified time period, accounting for:

Buying costs: Mortgage payments, property taxes, insurance, maintenance, HOA fees, and home appreciation
Renting costs: Rent payments, renter’s insurance, and rent increases
Opportunity costs: What you could earn by investing your down payment and monthly savings

The “Net Cost” represents the total cost minus any equity built (for buying) or investment growth (for renting).