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Rent vs Buy Calculator
财务Compare the long term costs of renting vs owning a home.
ttb run rent-vs-buy
Current Rent Situation
Target Home Purchase
Estimated Monthly Impact
Renting Forever$2,500
Owning Total PITI$3,495
- Mortgage P&I: $2,661
- Est. Tax & Insurance: $833
- Down Payment Cash: $100,000
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如何使用 Rent vs Buy Calculator
Enter your current monthly rent payment. Then, enter the purchase price of your target home, your expected down payment percentage, and today's average interest rate. The calculator outputs a visual comparison of your estimated total monthly PITI (Principal, Interest, Taxes, and Insurance) compared against your current rent, factoring in standard housing costs.
1
Enter your parameters
Configure the inputs for the Rent Vs Buy according to your specific needs.
2
View real-time results
The utility instantly processes your request and displays the calculated outputs directly in your browser.
3
Copy or Download
Click the copy icon next to the final output to instantly grab the result, or export it if applicable.
常见问题
Is renting really "throwing money away"?+
No! This is a common myth. Renting buys you flexibility and puts a "ceiling" on your living costs. When you own a home, a mortgage payment is just the "floor". Any broken roof, plumbing issue, or tax increase must be covered by you.
Does this account for investment opportunity cost?+
This simple estimator does not. If you invest the cash you would have spent on a 20% down payment into index funds returning 8-10% annually, renting and investing often mathematically outperforms owning a home over a 5 to 10 year period.