Rent vs Buy Calculator
The Rent vs Buy Calculator compares long-term housing outcomes under your assumptions so you can decide with less guesswork. Instead of relying on rules of thumb, this route helps you model rent growth, ownership costs, opportunity cost of down payment capital, and expected stay duration. The most useful approach is to run multiple timeline and appreciation scenarios, since housing decisions are highly sensitive to how long you remain in a property. Pair this with the mortgage calculator and first-time homebuyer guide to validate financing and readiness assumptions. Use the result as a structured decision aid, not a certainty tool. A clear model can make tradeoffs explicit and reduce the risk of committing to a housing cost structure that limits broader financial goals.
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