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Rent vs Buy Net Worth Calculator

Compare the long-term financial impact of renting versus buying a home. Calculate net worth, ROI, and break-even points.

🏡 Home Buying Scenario

$100,000 down payment

🏢 Renting Scenario

📈 Investment Parameters

For mortgage interest deduction calculation

Net Worth Comparison

30-year financial projection of renting vs buying

Financial Outcome After 30 Years
Buying Wins
🏡 BUYING
$0
0% ROI
🏢 RENTING
$0
0% ROI
NET WORTH DIFFERENCE
$0
0% difference
Net Worth Accumulation Over 30 Years
🏡 Buying Costs
Monthly Payment $0
Total Interest Paid $0
Property Taxes $0
Maintenance & HOA $0
Insurance $0
Closing Costs $0
Total Cost (30 years) $0
🏢 Renting Costs
Average Monthly Rent $0
Total Rent Paid $0
Renter's Insurance $0
Opportunity Cost $0
Total Cost (30 years) $0
💡 Financial Insights
• Initial calculations show the basic comparison. Adjust parameters to see how they affect the outcome.
• Consider both financial and lifestyle factors in your decision.
📊 Break-Even Analysis
Calculate how many years it takes for buying to become financially better than renting.
Break-Even Point
0 years
Optimal Stay
0+ years
Monthly Cash Flow Comparison