Compare buy net cost against rent total over a timeframe you set, from home price, down payment, mortgage rate, and monthly rent. Figures never leave your device — every calculation runs locally in your browser.
Calculate monthly mortgage payments with amortization schedule. Enter loan amount, interest rate, and term to see total interest paid. Figures never leave your device — every calculation runs locally in your browser.
Calculate monthly car loan payments, total interest, and total cost. Enter loan amount, rate, and term for a complete auto financing picture. Figures never leave your device — every calculation runs locally in your browser.
Calculate simple interest using principal, rate, and time. Find total interest earned and final amount for basic interest calculations. Figures never leave your device — every calculation runs locally in your browser.
Calculate total cost of software licenses by seats, price per seat, and billing cycle with annual discount. Budget and plan your SaaS subscription costs. Numbers never leave your device — every calculation runs locally in your browser.
Calculate customer churn rate by dividing customers lost by total customers. Monitor retention health for your subscription business. Numbers never leave your device — every calculation runs locally in your browser.
Simply: buy net cost (mortgage payments plus down payment minus 3%-per-year appreciation) against rent total (monthly rent times years). Whichever is lower wins — lengthen the years to find the crossover.
Unrecoverable buying costs run ≈5% of home value yearly (interest + tax + maintenance, excluding principal). If annual rent is well below 5% of the price, renting wins financially. $400k × 5% = $20k/yr vs $26,400 rent → close call, decided by appreciation.
Dramatically, and the tool fixes it at 3% yearly on the home price. In flat markets renting usually wins under 7 years; in hot markets buying wins sooner — judge the fixed assumption against your market.
Not modeled: the tool compares mortgage-plus-down-payment cost against rent total with no investing counterfactual. A $40k down payment invested at 7% becomes ~$79k in 10 years — weigh that yourself before deciding.
No. All calculations run locally in your browser. No amounts leave your device.
Last updated October 2026