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🏠 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.

Rental Information

Purchase Information

Common Information

Better Option
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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 Loan Interest
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Opportunity Cost (Deposit)
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Mortgage Interest
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Acquisition Tax
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Property Tax
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Maintenance Fees
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House Appreciation
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Final House Value
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GUIDE

πŸ’‘ Rent vs Buy Decision Guide

β€’ Rent is better when: Low property appreciation and high investment returns
β€’ Buy is better when: Expected property appreciation and long-term residence plans
β€’ High mortgage rates significantly increase buying costs
β€’ Rental deposits have opportunity costs (potential investment returns)
β€’ 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)