Rent vs Buy Calculator
Deciding between renting and buying requires considering opportunity costs, mortgage interest, property appreciation, taxes, and more - not just monthly payments. This calculator helps you make an informed decision from a long-term perspective.
Comparison Results
Net Assets (Rent)
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Net Assets (Buy)
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Total Rent Cost
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Total Buy Cost
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Cost Breakdown
Rental Costs
Rental Loan Interest
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Opportunity Cost (Deposit)
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Purchase Costs
Mortgage Interest
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Acquisition Tax
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Property Tax
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Maintenance Fees
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Purchase Gains
House Appreciation
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Final House Value
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💡 Rent vs Buy Decision Guide
• Rent is better when: Low property appreciation and high investment returns
• Buy is better when: Expected property appreciation and long-term residence plans
• High mortgage rates significantly increase buying costs
• Rental deposits have opportunity costs (potential investment returns)
• Consider non-financial factors like stability and lifestyle
• Buy is better when: Expected property appreciation and long-term residence plans
• High mortgage rates significantly increase buying costs
• Rental deposits have opportunity costs (potential investment returns)
• Consider non-financial factors like stability and lifestyle
⚠️ Disclaimer
This calculator only considers financial aspects. Actual decisions should also factor in residential stability, moving costs, tax benefits, and local real estate markets. (2025 basis)