#MONEY Finance

Rent vs Buy Calculator

Compare years of renting against years of owning.

Renting

Buying

After 7 years, buying costs less by
$28,217
Rent Paid
$183,899
Owner Outlay
$342,940
Equity Built
$187,257
Net Cost To Own
$155,682

Mortgage payment $2,560/mo · interest paid $176,215

Year By Year

YearTotal RentTotal Owner CostEquityNet Own Cost
1$24,000$86,669$63,027$23,642
2$48,720$128,621$81,762$46,859
3$74,182$170,865$101,237$69,627
4$100,407$213,409$121,488$91,922
5$127,419$256,264$142,549$113,715
6$155,242$299,438$164,459$134,979
7$183,899$342,940$187,257$155,682