Rent vs Buy Analyzer
Compare renting vs buying over 25 years. See equity buildup, investment returns, and the exact year buying becomes cheaper.
Rent vs Buy Analyzer
See exactly when buying becomes cheaper than renting over 25 years
If You Buy
$650,000
20.00% of home price
Annual rate, 25-year amortization
0.50% of home price
If You Rent
Return on down payment + monthly savings invested
Over 25 Years:
Renting Wins
$197,899
Total Cost: Buying
$1,149,995
Net Worth: $340,961
Total Cost: Renting
$1,149,995
Portfolio: $538,859
Net Worth After 25 Years
Buying$340,961
Renting$538,859
Break-Even Year
Year 1
After year 1, buying builds more wealth than renting and investing.
| Year | Buy Equity | Rent Portfolio | Gap |
|---|---|---|---|
| 1 | $160,627 | $144,507 | +$100,119 |
| 3 | $225,297 | $174,204 | +$43,093 |
| 5 | $294,822 | $204,782 | -$9,959 |
| 7 | $369,591 | $236,196 | -$58,604 |
| 10 | $492,502 | $284,746 | -$122,242 |
| 15 | $730,035 | $368,701 | -$198,663 |
| 20 | $1,016,004 | $454,548 | -$228,540 |
| 25 | $1,360,956 | $538,859 | -$197,899 |