Buy vs Rent Calculator (Offline)

Self-contained, offline tool. Adjust inputs — results update instantly. Percent fields are yearly growth rates.

Horizon (years)

Starting Mortgage (monthly, $)

Initial Home Setup (one-time, $)

Mortgage ends early

Mortgage End Year

Starting Property Tax (annual, $)

Property Tax Increase (%/yr)

Starting Insurance (annual, $)

Insurance Increase (%/yr)

Home/HOA Expenses (annual, $)

Home/HOA Increase (%/yr)

Starting Rent (monthly, $)

Rent Increase (%/yr)

All calculations happen in your browser.

30-year Total – Buy

30-year Total – Rent

Difference (Rent − Buy)

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Year-by-year details

Year	Mortgage	Property Tax	Insurance	Home Exp	Buy Annual	Buy Cumulative	Rent Annual	Rent Cumulative