Borrowing
Rent versus buy calculator
Compare renting and buying over the same period, including mortgage costs, rent growth, home value changes, transaction costs and invested savings.
Content updated . Assumptions reviewed .
Your inputs
Showing the example. Edit your inputs, then calculate.
Buying minus renting wealth
-17,040.9 USD
Buying minus renting net wealth at the same horizon, after hypothetical selling costs. Both sides invest cash-flow savings.
- Buying Wealth
- 151,441.68
- Renting Wealth
- 168,482.58
- Break Even Month
- Not reached
- Break Even Year
- Not reached
- Mortgage Payment
- 1,870.69
- Mortgage Balance
- 236,558.32
- Home Value
- 400,000
- Initial Buying Costs
- 12,000
- Buying Investments
- 0
- Renting Investments
- 168,482.58
- Total Buyer Outflow
- 386,482.58
- Total Renter Outflow
- 218,000
Illustrative result from your inputs and the dated assumptions shown; not a forecast, recommendation or offer
KlarFort is not financial, investment, tax, or legal advice. Verify outputs before making material decisions. Read the disclaimer.
Personal and commercial use is free with credit to KlarFort. See usage and credit.
About this calculator
Compare modeled net wealth from renting or buying a home over one chosen period. The calculation includes mortgage payments, ownership costs, rent, transaction costs and returns on money left available to invest.
Both options start with the same funds and receive the same monthly cash budget. The renter invests the buyer's deposit and purchase costs, and whichever option has lower monthly costs invests the difference.
How to use this calculator
- Enter the home price, deposit, mortgage rate and term, then choose how long to compare the options.
- Add purchase and sale costs, property tax, maintenance, insurance and service charges.
- Enter starting rent, renter insurance, rent growth, home appreciation, investment return and cost inflation assumptions.
- Calculate and compare end wealth, monthly costs, investments and the first modeled break-even month.
Understand your result
A positive headline means buying ends with more modeled wealth than renting; a negative value means renting ends with more. Buying wealth assumes a sale at the horizon after the entered selling costs and mortgage repayment.
Break-even is the first month buying wealth reaches renting wealth. It can reverse later, so inspect the timeline and final difference. An unavailable break-even means no crossing occurred within the chosen horizon.
Questions about this calculator
Why does the renter have investments from the start?
The comparison gives both options equal starting funds. Money used by the buyer for the deposit and purchase costs is invested by the renter at the entered return assumption.
Does a first break-even month mean buying stays ahead?
No. It marks only the first modeled crossing. Different growth and cost assumptions can cause the comparison to reverse later, which is visible in the monthly wealth table.
Which costs are outside the comparison?
Capital-gains taxes and rent deposits are excluded. The model uses the purchase, sale, insurance, maintenance, service and property-tax inputs you enter, without country-specific tax or lending rules.
Where do my figures go?
Your page calculations run in this browser. The API and connected assistants send the inputs supplied to them to our Cloudflare Worker. See Privacy.
How can I reproduce this result?
Use the same inputs and assumptions shown here. Simulation seeds reproduce the same paths. Read the calculation documentation.
Your calculation table
View all 120 rows
| Month | Buying Wealth | Renting Wealth | Difference | Mortgage Balance | Home Value | Buying Monthly Cost | Renting Monthly Cost |
|---|---|---|---|---|---|---|---|
| 1 | 68,537.35 | 92,637.35 | -24,100 | 319,462.65 | 400,000 | 2,454.02 | 1,816.67 |
| 2 | 69,076.95 | 93,274.71 | -24,197.76 | 318,923.05 | 400,000 | 2,454.02 | 1,816.67 |
| 3 | 69,618.79 | 93,912.06 | -24,293.27 | 318,381.21 | 400,000 | 2,454.02 | 1,816.67 |
| 4 | 70,162.89 | 94,549.42 | -24,386.53 | 317,837.11 | 400,000 | 2,454.02 | 1,816.67 |
| 5 | 70,709.26 | 95,186.77 | -24,477.52 | 317,290.74 | 400,000 | 2,454.02 | 1,816.67 |
| 6 | 71,257.9 | 95,824.13 | -24,566.23 | 316,742.1 | 400,000 | 2,454.02 | 1,816.67 |
| 7 | 71,808.83 | 96,461.48 | -24,652.65 | 316,191.17 | 400,000 | 2,454.02 | 1,816.67 |
| 8 | 72,362.05 | 97,098.84 | -24,736.78 | 315,637.95 | 400,000 | 2,454.02 | 1,816.67 |
| 9 | 72,917.58 | 97,736.19 | -24,818.61 | 315,082.42 | 400,000 | 2,454.02 | 1,816.67 |
| 10 | 73,475.43 | 98,373.55 | -24,898.12 | 314,524.57 | 400,000 | 2,454.02 | 1,816.67 |
| 11 | 74,035.6 | 99,010.9 | -24,975.3 | 313,964.4 | 400,000 | 2,454.02 | 1,816.67 |
| 12 | 74,598.1 | 99,648.26 | -25,050.16 | 313,401.9 | 400,000 | 2,454.02 | 1,816.67 |
| 13 | 75,162.95 | 100,285.61 | -25,122.66 | 312,837.05 | 400,000 | 2,454.02 | 1,816.67 |
| 14 | 75,730.15 | 100,922.97 | -25,192.82 | 312,269.85 | 400,000 | 2,454.02 | 1,816.67 |
| 15 | 76,299.71 | 101,560.32 | -25,260.61 | 311,700.29 | 400,000 | 2,454.02 | 1,816.67 |
| 16 | 76,871.65 | 102,197.68 | -25,326.03 | 311,128.35 | 400,000 | 2,454.02 | 1,816.67 |
| 17 | 77,445.97 | 102,835.03 | -25,389.06 | 310,554.03 | 400,000 | 2,454.02 | 1,816.67 |
| 18 | 78,022.68 | 103,472.39 | -25,449.7 | 309,977.32 | 400,000 | 2,454.02 | 1,816.67 |
| 19 | 78,601.8 | 104,109.74 | -25,507.94 | 309,398.2 | 400,000 | 2,454.02 | 1,816.67 |
| 20 | 79,183.33 | 104,747.1 | -25,563.77 | 308,816.67 | 400,000 | 2,454.02 | 1,816.67 |
| 21 | 79,767.28 | 105,384.45 | -25,617.17 | 308,232.72 | 400,000 | 2,454.02 | 1,816.67 |
| 22 | 80,353.67 | 106,021.81 | -25,668.14 | 307,646.33 | 400,000 | 2,454.02 | 1,816.67 |
| 23 | 80,942.49 | 106,659.16 | -25,716.67 | 307,057.51 | 400,000 | 2,454.02 | 1,816.67 |
| 24 | 81,533.78 | 107,296.52 | -25,762.74 | 306,466.22 | 400,000 | 2,454.02 | 1,816.67 |
| 25 | 82,127.52 | 107,933.87 | -25,806.35 | 305,872.48 | 400,000 | 2,454.02 | 1,816.67 |
| 26 | 82,723.74 | 108,571.22 | -25,847.48 | 305,276.26 | 400,000 | 2,454.02 | 1,816.67 |
| 27 | 83,322.44 | 109,208.58 | -25,886.14 | 304,677.56 | 400,000 | 2,454.02 | 1,816.67 |
| 28 | 83,923.64 | 109,845.93 | -25,922.29 | 304,076.36 | 400,000 | 2,454.02 | 1,816.67 |
| 29 | 84,527.35 | 110,483.29 | -25,955.94 | 303,472.65 | 400,000 | 2,454.02 | 1,816.67 |
| 30 | 85,133.56 | 111,120.64 | -25,987.08 | 302,866.44 | 400,000 | 2,454.02 | 1,816.67 |
| 31 | 85,742.31 | 111,758 | -26,015.69 | 302,257.69 | 400,000 | 2,454.02 | 1,816.67 |
| 32 | 86,353.59 | 112,395.35 | -26,041.76 | 301,646.41 | 400,000 | 2,454.02 | 1,816.67 |
| 33 | 86,967.42 | 113,032.71 | -26,065.29 | 301,032.58 | 400,000 | 2,454.02 | 1,816.67 |
| 34 | 87,583.8 | 113,670.06 | -26,086.26 | 300,416.2 | 400,000 | 2,454.02 | 1,816.67 |
| 35 | 88,202.76 | 114,307.42 | -26,104.66 | 299,797.24 | 400,000 | 2,454.02 | 1,816.67 |
| 36 | 88,824.29 | 114,944.77 | -26,120.48 | 299,175.71 | 400,000 | 2,454.02 | 1,816.67 |
| 37 | 89,448.41 | 115,582.13 | -26,133.71 | 298,551.59 | 400,000 | 2,454.02 | 1,816.67 |
| 38 | 90,075.14 | 116,219.48 | -26,144.35 | 297,924.86 | 400,000 | 2,454.02 | 1,816.67 |
| 39 | 90,704.47 | 116,856.84 | -26,152.37 | 297,295.53 | 400,000 | 2,454.02 | 1,816.67 |
| 40 | 91,336.43 | 117,494.19 | -26,157.76 | 296,663.57 | 400,000 | 2,454.02 | 1,816.67 |
| 41 | 91,971.02 | 118,131.55 | -26,160.53 | 296,028.98 | 400,000 | 2,454.02 | 1,816.67 |
| 42 | 92,608.25 | 118,768.9 | -26,160.65 | 295,391.75 | 400,000 | 2,454.02 | 1,816.67 |
| 43 | 93,248.14 | 119,406.26 | -26,158.12 | 294,751.86 | 400,000 | 2,454.02 | 1,816.67 |
| 44 | 93,890.7 | 120,043.61 | -26,152.91 | 294,109.3 | 400,000 | 2,454.02 | 1,816.67 |
| 45 | 94,535.93 | 120,680.97 | -26,145.04 | 293,464.07 | 400,000 | 2,454.02 | 1,816.67 |
| 46 | 95,183.85 | 121,318.32 | -26,134.47 | 292,816.15 | 400,000 | 2,454.02 | 1,816.67 |
| 47 | 95,834.47 | 121,955.68 | -26,121.2 | 292,165.53 | 400,000 | 2,454.02 | 1,816.67 |
| 48 | 96,487.8 | 122,593.03 | -26,105.23 | 291,512.2 | 400,000 | 2,454.02 | 1,816.67 |
| 49 | 97,143.86 | 123,230.39 | -26,086.53 | 290,856.14 | 400,000 | 2,454.02 | 1,816.67 |
| 50 | 97,802.64 | 123,867.74 | -26,065.1 | 290,197.36 | 400,000 | 2,454.02 | 1,816.67 |
| 51 | 98,464.18 | 124,505.09 | -26,040.92 | 289,535.82 | 400,000 | 2,454.02 | 1,816.67 |
| 52 | 99,128.47 | 125,142.45 | -26,013.98 | 288,871.53 | 400,000 | 2,454.02 | 1,816.67 |
| 53 | 99,795.52 | 125,779.8 | -25,984.28 | 288,204.48 | 400,000 | 2,454.02 | 1,816.67 |
| 54 | 100,465.36 | 126,417.16 | -25,951.8 | 287,534.64 | 400,000 | 2,454.02 | 1,816.67 |
| 55 | 101,137.99 | 127,054.51 | -25,916.53 | 286,862.01 | 400,000 | 2,454.02 | 1,816.67 |
| 56 | 101,813.42 | 127,691.87 | -25,878.45 | 286,186.58 | 400,000 | 2,454.02 | 1,816.67 |
| 57 | 102,491.66 | 128,329.22 | -25,837.56 | 285,508.34 | 400,000 | 2,454.02 | 1,816.67 |
| 58 | 103,172.73 | 128,966.58 | -25,793.85 | 284,827.27 | 400,000 | 2,454.02 | 1,816.67 |
| 59 | 103,856.64 | 129,603.93 | -25,747.3 | 284,143.36 | 400,000 | 2,454.02 | 1,816.67 |
| 60 | 104,543.4 | 130,241.29 | -25,697.89 | 283,456.6 | 400,000 | 2,454.02 | 1,816.67 |
| 61 | 105,233.01 | 130,878.64 | -25,645.63 | 282,766.99 | 400,000 | 2,454.02 | 1,816.67 |
| 62 | 105,925.51 | 131,516 | -25,590.49 | 282,074.49 | 400,000 | 2,454.02 | 1,816.67 |
| 63 | 106,620.88 | 132,153.35 | -25,532.47 | 281,379.12 | 400,000 | 2,454.02 | 1,816.67 |
| 64 | 107,319.16 | 132,790.71 | -25,471.55 | 280,680.84 | 400,000 | 2,454.02 | 1,816.67 |
| 65 | 108,020.34 | 133,428.06 | -25,407.72 | 279,979.66 | 400,000 | 2,454.02 | 1,816.67 |
| 66 | 108,724.45 | 134,065.42 | -25,340.97 | 279,275.55 | 400,000 | 2,454.02 | 1,816.67 |
| 67 | 109,431.49 | 134,702.77 | -25,271.28 | 278,568.51 | 400,000 | 2,454.02 | 1,816.67 |
| 68 | 110,141.48 | 135,340.13 | -25,198.65 | 277,858.52 | 400,000 | 2,454.02 | 1,816.67 |
| 69 | 110,854.42 | 135,977.48 | -25,123.06 | 277,145.58 | 400,000 | 2,454.02 | 1,816.67 |
| 70 | 111,570.34 | 136,614.84 | -25,044.5 | 276,429.66 | 400,000 | 2,454.02 | 1,816.67 |
| 71 | 112,289.23 | 137,252.19 | -24,962.96 | 275,710.77 | 400,000 | 2,454.02 | 1,816.67 |
| 72 | 113,011.13 | 137,889.55 | -24,878.42 | 274,988.87 | 400,000 | 2,454.02 | 1,816.67 |
| 73 | 113,736.03 | 138,526.9 | -24,790.87 | 274,263.97 | 400,000 | 2,454.02 | 1,816.67 |
| 74 | 114,463.95 | 139,164.26 | -24,700.31 | 273,536.05 | 400,000 | 2,454.02 | 1,816.67 |
| 75 | 115,194.9 | 139,801.61 | -24,606.71 | 272,805.1 | 400,000 | 2,454.02 | 1,816.67 |
| 76 | 115,928.9 | 140,438.96 | -24,510.06 | 272,071.1 | 400,000 | 2,454.02 | 1,816.67 |
| 77 | 116,665.96 | 141,076.32 | -24,410.36 | 271,334.04 | 400,000 | 2,454.02 | 1,816.67 |
| 78 | 117,406.09 | 141,713.67 | -24,307.58 | 270,593.91 | 400,000 | 2,454.02 | 1,816.67 |
| 79 | 118,149.31 | 142,351.03 | -24,201.72 | 269,850.69 | 400,000 | 2,454.02 | 1,816.67 |
| 80 | 118,895.62 | 142,988.38 | -24,092.77 | 269,104.38 | 400,000 | 2,454.02 | 1,816.67 |
| 81 | 119,645.04 | 143,625.74 | -23,980.7 | 268,354.96 | 400,000 | 2,454.02 | 1,816.67 |
| 82 | 120,397.58 | 144,263.09 | -23,865.52 | 267,602.42 | 400,000 | 2,454.02 | 1,816.67 |
| 83 | 121,153.26 | 144,900.45 | -23,747.19 | 266,846.74 | 400,000 | 2,454.02 | 1,816.67 |
| 84 | 121,912.08 | 145,537.8 | -23,625.72 | 266,087.92 | 400,000 | 2,454.02 | 1,816.67 |
| 85 | 122,674.07 | 146,175.16 | -23,501.09 | 265,325.93 | 400,000 | 2,454.02 | 1,816.67 |
| 86 | 123,439.23 | 146,812.51 | -23,373.28 | 264,560.77 | 400,000 | 2,454.02 | 1,816.67 |
| 87 | 124,207.59 | 147,449.87 | -23,242.28 | 263,792.41 | 400,000 | 2,454.02 | 1,816.67 |
| 88 | 124,979.14 | 148,087.22 | -23,108.08 | 263,020.86 | 400,000 | 2,454.02 | 1,816.67 |
| 89 | 125,753.91 | 148,724.58 | -22,970.67 | 262,246.09 | 400,000 | 2,454.02 | 1,816.67 |
| 90 | 126,531.9 | 149,361.93 | -22,830.03 | 261,468.1 | 400,000 | 2,454.02 | 1,816.67 |
| 91 | 127,313.14 | 149,999.29 | -22,686.15 | 260,686.86 | 400,000 | 2,454.02 | 1,816.67 |
| 92 | 128,097.63 | 150,636.64 | -22,539.01 | 259,902.37 | 400,000 | 2,454.02 | 1,816.67 |
| 93 | 128,885.4 | 151,274 | -22,388.6 | 259,114.6 | 400,000 | 2,454.02 | 1,816.67 |
| 94 | 129,676.44 | 151,911.35 | -22,234.91 | 258,323.56 | 400,000 | 2,454.02 | 1,816.67 |
| 95 | 130,470.78 | 152,548.71 | -22,077.93 | 257,529.22 | 400,000 | 2,454.02 | 1,816.67 |
| 96 | 131,268.43 | 153,186.06 | -21,917.63 | 256,731.57 | 400,000 | 2,454.02 | 1,816.67 |
| 97 | 132,069.4 | 153,823.42 | -21,754.01 | 255,930.6 | 400,000 | 2,454.02 | 1,816.67 |
| 98 | 132,873.71 | 154,460.77 | -21,587.06 | 255,126.29 | 400,000 | 2,454.02 | 1,816.67 |
| 99 | 133,681.38 | 155,098.13 | -21,416.75 | 254,318.62 | 400,000 | 2,454.02 | 1,816.67 |
| 100 | 134,492.4 | 155,735.48 | -21,243.08 | 253,507.6 | 400,000 | 2,454.02 | 1,816.67 |
| 101 | 135,306.81 | 156,372.83 | -21,066.03 | 252,693.19 | 400,000 | 2,454.02 | 1,816.67 |
| 102 | 136,124.61 | 157,010.19 | -20,885.58 | 251,875.39 | 400,000 | 2,454.02 | 1,816.67 |
| 103 | 136,945.82 | 157,647.54 | -20,701.73 | 251,054.18 | 400,000 | 2,454.02 | 1,816.67 |
| 104 | 137,770.45 | 158,284.9 | -20,514.45 | 250,229.55 | 400,000 | 2,454.02 | 1,816.67 |
| 105 | 138,598.51 | 158,922.25 | -20,323.74 | 249,401.49 | 400,000 | 2,454.02 | 1,816.67 |
| 106 | 139,430.03 | 159,559.61 | -20,129.58 | 248,569.97 | 400,000 | 2,454.02 | 1,816.67 |
| 107 | 140,265.01 | 160,196.96 | -19,931.96 | 247,734.99 | 400,000 | 2,454.02 | 1,816.67 |
| 108 | 141,103.46 | 160,834.32 | -19,730.85 | 246,896.54 | 400,000 | 2,454.02 | 1,816.67 |
| 109 | 141,945.42 | 161,471.67 | -19,526.26 | 246,054.58 | 400,000 | 2,454.02 | 1,816.67 |
| 110 | 142,790.88 | 162,109.03 | -19,318.15 | 245,209.12 | 400,000 | 2,454.02 | 1,816.67 |
| 111 | 143,639.86 | 162,746.38 | -19,106.52 | 244,360.14 | 400,000 | 2,454.02 | 1,816.67 |
| 112 | 144,492.38 | 163,383.74 | -18,891.36 | 243,507.62 | 400,000 | 2,454.02 | 1,816.67 |
| 113 | 145,348.45 | 164,021.09 | -18,672.64 | 242,651.55 | 400,000 | 2,454.02 | 1,816.67 |
| 114 | 146,208.09 | 164,658.45 | -18,450.35 | 241,791.91 | 400,000 | 2,454.02 | 1,816.67 |
| 115 | 147,071.32 | 165,295.8 | -18,224.49 | 240,928.68 | 400,000 | 2,454.02 | 1,816.67 |
| 116 | 147,938.14 | 165,933.16 | -17,995.02 | 240,061.86 | 400,000 | 2,454.02 | 1,816.67 |
| 117 | 148,808.57 | 166,570.51 | -17,761.95 | 239,191.43 | 400,000 | 2,454.02 | 1,816.67 |
| 118 | 149,682.62 | 167,207.87 | -17,525.24 | 238,317.38 | 400,000 | 2,454.02 | 1,816.67 |
| 119 | 150,560.32 | 167,845.22 | -17,284.9 | 237,439.68 | 400,000 | 2,454.02 | 1,816.67 |
| 120 | 151,441.68 | 168,482.58 | -17,040.9 | 236,558.32 | 400,000 | 2,454.02 | 1,816.67 |
Citable worked example
Rent versus buy calculator: fixed public worked-example outputs using the calculator’s published default inputs. Compare renting and buying over the same period, including mortgage costs, rent growth, home value changes, transaction costs and invested savings. These illustrative figures are independent of visitor inputs and live market feeds. The table contains 120 rows and is available as CSV and JSON. Formula and assumptions reviewed 2026-09-07.
These are fixed public examples. Your calculation above does not change this table.
View all 120 rows
| Month | Buying Wealth | Renting Wealth | Difference | Mortgage Balance | Home Value | Buying Monthly Cost | Renting Monthly Cost |
|---|---|---|---|---|---|---|---|
| 1 | 68,537.35 | 92,637.35 | -24,100 | 319,462.65 | 400,000 | 2,454.02 | 1,816.67 |
| 2 | 69,076.95 | 93,274.71 | -24,197.76 | 318,923.05 | 400,000 | 2,454.02 | 1,816.67 |
| 3 | 69,618.79 | 93,912.06 | -24,293.27 | 318,381.21 | 400,000 | 2,454.02 | 1,816.67 |
| 4 | 70,162.89 | 94,549.42 | -24,386.53 | 317,837.11 | 400,000 | 2,454.02 | 1,816.67 |
| 5 | 70,709.26 | 95,186.77 | -24,477.52 | 317,290.74 | 400,000 | 2,454.02 | 1,816.67 |
| 6 | 71,257.9 | 95,824.13 | -24,566.23 | 316,742.1 | 400,000 | 2,454.02 | 1,816.67 |
| 7 | 71,808.83 | 96,461.48 | -24,652.65 | 316,191.17 | 400,000 | 2,454.02 | 1,816.67 |
| 8 | 72,362.05 | 97,098.84 | -24,736.78 | 315,637.95 | 400,000 | 2,454.02 | 1,816.67 |
| 9 | 72,917.58 | 97,736.19 | -24,818.61 | 315,082.42 | 400,000 | 2,454.02 | 1,816.67 |
| 10 | 73,475.43 | 98,373.55 | -24,898.12 | 314,524.57 | 400,000 | 2,454.02 | 1,816.67 |
| 11 | 74,035.6 | 99,010.9 | -24,975.3 | 313,964.4 | 400,000 | 2,454.02 | 1,816.67 |
| 12 | 74,598.1 | 99,648.26 | -25,050.16 | 313,401.9 | 400,000 | 2,454.02 | 1,816.67 |
| 13 | 75,162.95 | 100,285.61 | -25,122.66 | 312,837.05 | 400,000 | 2,454.02 | 1,816.67 |
| 14 | 75,730.15 | 100,922.97 | -25,192.82 | 312,269.85 | 400,000 | 2,454.02 | 1,816.67 |
| 15 | 76,299.71 | 101,560.32 | -25,260.61 | 311,700.29 | 400,000 | 2,454.02 | 1,816.67 |
| 16 | 76,871.65 | 102,197.68 | -25,326.03 | 311,128.35 | 400,000 | 2,454.02 | 1,816.67 |
| 17 | 77,445.97 | 102,835.03 | -25,389.06 | 310,554.03 | 400,000 | 2,454.02 | 1,816.67 |
| 18 | 78,022.68 | 103,472.39 | -25,449.7 | 309,977.32 | 400,000 | 2,454.02 | 1,816.67 |
| 19 | 78,601.8 | 104,109.74 | -25,507.94 | 309,398.2 | 400,000 | 2,454.02 | 1,816.67 |
| 20 | 79,183.33 | 104,747.1 | -25,563.77 | 308,816.67 | 400,000 | 2,454.02 | 1,816.67 |
| 21 | 79,767.28 | 105,384.45 | -25,617.17 | 308,232.72 | 400,000 | 2,454.02 | 1,816.67 |
| 22 | 80,353.67 | 106,021.81 | -25,668.14 | 307,646.33 | 400,000 | 2,454.02 | 1,816.67 |
| 23 | 80,942.49 | 106,659.16 | -25,716.67 | 307,057.51 | 400,000 | 2,454.02 | 1,816.67 |
| 24 | 81,533.78 | 107,296.52 | -25,762.74 | 306,466.22 | 400,000 | 2,454.02 | 1,816.67 |
| 25 | 82,127.52 | 107,933.87 | -25,806.35 | 305,872.48 | 400,000 | 2,454.02 | 1,816.67 |
| 26 | 82,723.74 | 108,571.22 | -25,847.48 | 305,276.26 | 400,000 | 2,454.02 | 1,816.67 |
| 27 | 83,322.44 | 109,208.58 | -25,886.14 | 304,677.56 | 400,000 | 2,454.02 | 1,816.67 |
| 28 | 83,923.64 | 109,845.93 | -25,922.29 | 304,076.36 | 400,000 | 2,454.02 | 1,816.67 |
| 29 | 84,527.35 | 110,483.29 | -25,955.94 | 303,472.65 | 400,000 | 2,454.02 | 1,816.67 |
| 30 | 85,133.56 | 111,120.64 | -25,987.08 | 302,866.44 | 400,000 | 2,454.02 | 1,816.67 |
| 31 | 85,742.31 | 111,758 | -26,015.69 | 302,257.69 | 400,000 | 2,454.02 | 1,816.67 |
| 32 | 86,353.59 | 112,395.35 | -26,041.76 | 301,646.41 | 400,000 | 2,454.02 | 1,816.67 |
| 33 | 86,967.42 | 113,032.71 | -26,065.29 | 301,032.58 | 400,000 | 2,454.02 | 1,816.67 |
| 34 | 87,583.8 | 113,670.06 | -26,086.26 | 300,416.2 | 400,000 | 2,454.02 | 1,816.67 |
| 35 | 88,202.76 | 114,307.42 | -26,104.66 | 299,797.24 | 400,000 | 2,454.02 | 1,816.67 |
| 36 | 88,824.29 | 114,944.77 | -26,120.48 | 299,175.71 | 400,000 | 2,454.02 | 1,816.67 |
| 37 | 89,448.41 | 115,582.13 | -26,133.71 | 298,551.59 | 400,000 | 2,454.02 | 1,816.67 |
| 38 | 90,075.14 | 116,219.48 | -26,144.35 | 297,924.86 | 400,000 | 2,454.02 | 1,816.67 |
| 39 | 90,704.47 | 116,856.84 | -26,152.37 | 297,295.53 | 400,000 | 2,454.02 | 1,816.67 |
| 40 | 91,336.43 | 117,494.19 | -26,157.76 | 296,663.57 | 400,000 | 2,454.02 | 1,816.67 |
| 41 | 91,971.02 | 118,131.55 | -26,160.53 | 296,028.98 | 400,000 | 2,454.02 | 1,816.67 |
| 42 | 92,608.25 | 118,768.9 | -26,160.65 | 295,391.75 | 400,000 | 2,454.02 | 1,816.67 |
| 43 | 93,248.14 | 119,406.26 | -26,158.12 | 294,751.86 | 400,000 | 2,454.02 | 1,816.67 |
| 44 | 93,890.7 | 120,043.61 | -26,152.91 | 294,109.3 | 400,000 | 2,454.02 | 1,816.67 |
| 45 | 94,535.93 | 120,680.97 | -26,145.04 | 293,464.07 | 400,000 | 2,454.02 | 1,816.67 |
| 46 | 95,183.85 | 121,318.32 | -26,134.47 | 292,816.15 | 400,000 | 2,454.02 | 1,816.67 |
| 47 | 95,834.47 | 121,955.68 | -26,121.2 | 292,165.53 | 400,000 | 2,454.02 | 1,816.67 |
| 48 | 96,487.8 | 122,593.03 | -26,105.23 | 291,512.2 | 400,000 | 2,454.02 | 1,816.67 |
| 49 | 97,143.86 | 123,230.39 | -26,086.53 | 290,856.14 | 400,000 | 2,454.02 | 1,816.67 |
| 50 | 97,802.64 | 123,867.74 | -26,065.1 | 290,197.36 | 400,000 | 2,454.02 | 1,816.67 |
| 51 | 98,464.18 | 124,505.09 | -26,040.92 | 289,535.82 | 400,000 | 2,454.02 | 1,816.67 |
| 52 | 99,128.47 | 125,142.45 | -26,013.98 | 288,871.53 | 400,000 | 2,454.02 | 1,816.67 |
| 53 | 99,795.52 | 125,779.8 | -25,984.28 | 288,204.48 | 400,000 | 2,454.02 | 1,816.67 |
| 54 | 100,465.36 | 126,417.16 | -25,951.8 | 287,534.64 | 400,000 | 2,454.02 | 1,816.67 |
| 55 | 101,137.99 | 127,054.51 | -25,916.53 | 286,862.01 | 400,000 | 2,454.02 | 1,816.67 |
| 56 | 101,813.42 | 127,691.87 | -25,878.45 | 286,186.58 | 400,000 | 2,454.02 | 1,816.67 |
| 57 | 102,491.66 | 128,329.22 | -25,837.56 | 285,508.34 | 400,000 | 2,454.02 | 1,816.67 |
| 58 | 103,172.73 | 128,966.58 | -25,793.85 | 284,827.27 | 400,000 | 2,454.02 | 1,816.67 |
| 59 | 103,856.64 | 129,603.93 | -25,747.3 | 284,143.36 | 400,000 | 2,454.02 | 1,816.67 |
| 60 | 104,543.4 | 130,241.29 | -25,697.89 | 283,456.6 | 400,000 | 2,454.02 | 1,816.67 |
| 61 | 105,233.01 | 130,878.64 | -25,645.63 | 282,766.99 | 400,000 | 2,454.02 | 1,816.67 |
| 62 | 105,925.51 | 131,516 | -25,590.49 | 282,074.49 | 400,000 | 2,454.02 | 1,816.67 |
| 63 | 106,620.88 | 132,153.35 | -25,532.47 | 281,379.12 | 400,000 | 2,454.02 | 1,816.67 |
| 64 | 107,319.16 | 132,790.71 | -25,471.55 | 280,680.84 | 400,000 | 2,454.02 | 1,816.67 |
| 65 | 108,020.34 | 133,428.06 | -25,407.72 | 279,979.66 | 400,000 | 2,454.02 | 1,816.67 |
| 66 | 108,724.45 | 134,065.42 | -25,340.97 | 279,275.55 | 400,000 | 2,454.02 | 1,816.67 |
| 67 | 109,431.49 | 134,702.77 | -25,271.28 | 278,568.51 | 400,000 | 2,454.02 | 1,816.67 |
| 68 | 110,141.48 | 135,340.13 | -25,198.65 | 277,858.52 | 400,000 | 2,454.02 | 1,816.67 |
| 69 | 110,854.42 | 135,977.48 | -25,123.06 | 277,145.58 | 400,000 | 2,454.02 | 1,816.67 |
| 70 | 111,570.34 | 136,614.84 | -25,044.5 | 276,429.66 | 400,000 | 2,454.02 | 1,816.67 |
| 71 | 112,289.23 | 137,252.19 | -24,962.96 | 275,710.77 | 400,000 | 2,454.02 | 1,816.67 |
| 72 | 113,011.13 | 137,889.55 | -24,878.42 | 274,988.87 | 400,000 | 2,454.02 | 1,816.67 |
| 73 | 113,736.03 | 138,526.9 | -24,790.87 | 274,263.97 | 400,000 | 2,454.02 | 1,816.67 |
| 74 | 114,463.95 | 139,164.26 | -24,700.31 | 273,536.05 | 400,000 | 2,454.02 | 1,816.67 |
| 75 | 115,194.9 | 139,801.61 | -24,606.71 | 272,805.1 | 400,000 | 2,454.02 | 1,816.67 |
| 76 | 115,928.9 | 140,438.96 | -24,510.06 | 272,071.1 | 400,000 | 2,454.02 | 1,816.67 |
| 77 | 116,665.96 | 141,076.32 | -24,410.36 | 271,334.04 | 400,000 | 2,454.02 | 1,816.67 |
| 78 | 117,406.09 | 141,713.67 | -24,307.58 | 270,593.91 | 400,000 | 2,454.02 | 1,816.67 |
| 79 | 118,149.31 | 142,351.03 | -24,201.72 | 269,850.69 | 400,000 | 2,454.02 | 1,816.67 |
| 80 | 118,895.62 | 142,988.38 | -24,092.77 | 269,104.38 | 400,000 | 2,454.02 | 1,816.67 |
| 81 | 119,645.04 | 143,625.74 | -23,980.7 | 268,354.96 | 400,000 | 2,454.02 | 1,816.67 |
| 82 | 120,397.58 | 144,263.09 | -23,865.52 | 267,602.42 | 400,000 | 2,454.02 | 1,816.67 |
| 83 | 121,153.26 | 144,900.45 | -23,747.19 | 266,846.74 | 400,000 | 2,454.02 | 1,816.67 |
| 84 | 121,912.08 | 145,537.8 | -23,625.72 | 266,087.92 | 400,000 | 2,454.02 | 1,816.67 |
| 85 | 122,674.07 | 146,175.16 | -23,501.09 | 265,325.93 | 400,000 | 2,454.02 | 1,816.67 |
| 86 | 123,439.23 | 146,812.51 | -23,373.28 | 264,560.77 | 400,000 | 2,454.02 | 1,816.67 |
| 87 | 124,207.59 | 147,449.87 | -23,242.28 | 263,792.41 | 400,000 | 2,454.02 | 1,816.67 |
| 88 | 124,979.14 | 148,087.22 | -23,108.08 | 263,020.86 | 400,000 | 2,454.02 | 1,816.67 |
| 89 | 125,753.91 | 148,724.58 | -22,970.67 | 262,246.09 | 400,000 | 2,454.02 | 1,816.67 |
| 90 | 126,531.9 | 149,361.93 | -22,830.03 | 261,468.1 | 400,000 | 2,454.02 | 1,816.67 |
| 91 | 127,313.14 | 149,999.29 | -22,686.15 | 260,686.86 | 400,000 | 2,454.02 | 1,816.67 |
| 92 | 128,097.63 | 150,636.64 | -22,539.01 | 259,902.37 | 400,000 | 2,454.02 | 1,816.67 |
| 93 | 128,885.4 | 151,274 | -22,388.6 | 259,114.6 | 400,000 | 2,454.02 | 1,816.67 |
| 94 | 129,676.44 | 151,911.35 | -22,234.91 | 258,323.56 | 400,000 | 2,454.02 | 1,816.67 |
| 95 | 130,470.78 | 152,548.71 | -22,077.93 | 257,529.22 | 400,000 | 2,454.02 | 1,816.67 |
| 96 | 131,268.43 | 153,186.06 | -21,917.63 | 256,731.57 | 400,000 | 2,454.02 | 1,816.67 |
| 97 | 132,069.4 | 153,823.42 | -21,754.01 | 255,930.6 | 400,000 | 2,454.02 | 1,816.67 |
| 98 | 132,873.71 | 154,460.77 | -21,587.06 | 255,126.29 | 400,000 | 2,454.02 | 1,816.67 |
| 99 | 133,681.38 | 155,098.13 | -21,416.75 | 254,318.62 | 400,000 | 2,454.02 | 1,816.67 |
| 100 | 134,492.4 | 155,735.48 | -21,243.08 | 253,507.6 | 400,000 | 2,454.02 | 1,816.67 |
| 101 | 135,306.81 | 156,372.83 | -21,066.03 | 252,693.19 | 400,000 | 2,454.02 | 1,816.67 |
| 102 | 136,124.61 | 157,010.19 | -20,885.58 | 251,875.39 | 400,000 | 2,454.02 | 1,816.67 |
| 103 | 136,945.82 | 157,647.54 | -20,701.73 | 251,054.18 | 400,000 | 2,454.02 | 1,816.67 |
| 104 | 137,770.45 | 158,284.9 | -20,514.45 | 250,229.55 | 400,000 | 2,454.02 | 1,816.67 |
| 105 | 138,598.51 | 158,922.25 | -20,323.74 | 249,401.49 | 400,000 | 2,454.02 | 1,816.67 |
| 106 | 139,430.03 | 159,559.61 | -20,129.58 | 248,569.97 | 400,000 | 2,454.02 | 1,816.67 |
| 107 | 140,265.01 | 160,196.96 | -19,931.96 | 247,734.99 | 400,000 | 2,454.02 | 1,816.67 |
| 108 | 141,103.46 | 160,834.32 | -19,730.85 | 246,896.54 | 400,000 | 2,454.02 | 1,816.67 |
| 109 | 141,945.42 | 161,471.67 | -19,526.26 | 246,054.58 | 400,000 | 2,454.02 | 1,816.67 |
| 110 | 142,790.88 | 162,109.03 | -19,318.15 | 245,209.12 | 400,000 | 2,454.02 | 1,816.67 |
| 111 | 143,639.86 | 162,746.38 | -19,106.52 | 244,360.14 | 400,000 | 2,454.02 | 1,816.67 |
| 112 | 144,492.38 | 163,383.74 | -18,891.36 | 243,507.62 | 400,000 | 2,454.02 | 1,816.67 |
| 113 | 145,348.45 | 164,021.09 | -18,672.64 | 242,651.55 | 400,000 | 2,454.02 | 1,816.67 |
| 114 | 146,208.09 | 164,658.45 | -18,450.35 | 241,791.91 | 400,000 | 2,454.02 | 1,816.67 |
| 115 | 147,071.32 | 165,295.8 | -18,224.49 | 240,928.68 | 400,000 | 2,454.02 | 1,816.67 |
| 116 | 147,938.14 | 165,933.16 | -17,995.02 | 240,061.86 | 400,000 | 2,454.02 | 1,816.67 |
| 117 | 148,808.57 | 166,570.51 | -17,761.95 | 239,191.43 | 400,000 | 2,454.02 | 1,816.67 |
| 118 | 149,682.62 | 167,207.87 | -17,525.24 | 238,317.38 | 400,000 | 2,454.02 | 1,816.67 |
| 119 | 150,560.32 | 167,845.22 | -17,284.9 | 237,439.68 | 400,000 | 2,454.02 | 1,816.67 |
| 120 | 151,441.68 | 168,482.58 | -17,040.9 | 236,558.32 | 400,000 | 2,454.02 | 1,816.67 |
Computed with KlarFort Calculators, https://klarfort.com/
Calculator reference: https://klarfort.com/tools/rent-vs-buy-calculator/. Usage and credit.
Formula and assumptions
Buyer wealth = home sale proceeds - mortgage balance + investments; renter wealth = invested deposit, closing costs and monthly savings.
- Both options start with the same funds: the renter invests the buyer deposit and purchase costs.
- Each month both receive the larger housing cash outflow; the less expensive option invests the difference at month end.
- Property tax and maintenance track current property value. Insurance and service costs follow entered cost inflation.
- The buyer sells at the horizon using the entered selling-cost percentage; gains taxes and rent deposits are excluded.
- Break-even is the first modeled month when buying wealth reaches renting wealth; elapsed break-even years equal that month divided by 12. Both are null if no crossing occurs within the horizon, and later reversal remains possible.
- Return, appreciation and rent-growth assumptions have neutral zero defaults and are not forecasts.
Assumptions reviewed:
Sources
- KlarFort calculator methodology. KlarFort-authored arithmetic; free to use with credit.; vintage 1.
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