Budget & Planning

Budgeting tools and financial planning calculators

Our Rent vs. Buy Calculator helps you make one of the most significant financial decisions: whether it makes more sense to continue renting or to purchase a home. The calculator accounts for a wide range of factors including home price, down payment, mortgage interest rate, property taxes, homeowners insurance, maintenance costs, and opportunity cost of your down payment. On the renting side, it factors in monthly rent, renters insurance, and expected annual rent increases. By comparing the total costs of each option over your chosen time horizon, you get a clear picture of which path builds more wealth.

All calculations run entirely in your browser, so your financial data never leaves your device. There is no sign-up required and no information is stored or transmitted. The calculator uses standard financial formulas for mortgage amortization, investment returns, and cost projections, giving you results consistent with those from banks and financial advisors. You can adjust assumptions like home appreciation rate, investment return rate, and tax rates to match your local market conditions and personal situation.