Real estate calculator

Compare the true cost of renting vs buying over time, and see the ROI of turning a property into an investment.

Buying

House price

Down payment

Loan term

years

Interest rate

Annual maintenance

/ year

Time horizon

years

Renting

Monthly rental

Annual rent increase

Monthly mortgage

Total buying cost (30yr)

Total renting cost (30yr)

Break-even year

Cumulative cost over time

Buying becomes cheaper than renting after year 23.

RentingBuyingBreak-even

Investment property ROI

If you purchase this property and lease it out at the same rental rate ($2,000/mo with 3% annual increase), here's your return on the total cost of ownership.

Cash-flow positive

Annualized ROI

Net profit / loss