30-Year ComparisonBreak-Even AnalysisRealistic Defaults
How It Works
1
Enter Details
Input your rent, home price, and financial parameters.
2
Compare Costs
See side-by-side 30-year cost comparison.
3
Find Break-Even
Discover when buying becomes cheaper than renting.
Frequently Asked Questions
How is the break-even year calculated?
The break-even year is when the total cost of buying (including mortgage, taxes, maintenance, minus equity) becomes less than the total cost of renting.
What assumptions does this calculator make?
It assumes constant mortgage rate, annual rent increases, property appreciation, and investment returns. Real-world values may vary.
Should I always buy if the break-even is early?
Not necessarily. Consider your lifestyle, job mobility, local market conditions, and maintenance responsibilities before deciding.
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