Rent vs Buy — What Actually Costs Less for YOU?

How to use

1. Open this page on any device — no signup needed.
2. Fill in the fields above.
3. Get your result instantly — nothing is uploaded.

About this tool

Owning costs more than the mortgage: add property tax (~1–2%/yr), insurance, maintenance (budget 1% of home value yearly) and opportunity cost of the down payment. Renting costs rent plus annual increases. This calculator compares honest monthly totals over your planned stay — the common wisdom (buy if staying 5+ years, rent if shorter) emerges from the numbers rather than a slogan.

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