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Rent vs Buy Calculator

Full ownership vs renting net-worth comparison.

Home & loan

State

Home price

Down payment

Interest rate

Loan term

Closing costs

Discount points

Horizon

Amortize points deduction

Ownership costs

Property tax rate

Assessment ratio

Assessment growth

Assessment growth cap

Homeowners insurance

PMI rate

HOA

Maintenance

Appreciation

Selling costs

Taxes & AMT

Filing status

Federal marginal rate

State marginal rate

Approx. taxable income

Standard deduction

SALT cap

Other itemized

AMT exemption

AMT phaseout start

Enable AMT overlay

Renting & investing

Monthly rent

Rent growth

Renters insurance

Investment return

Winner at horizon

Renting

Break-even year

None in horizon

Buyer net worth

$292,536

Renter net worth

$386,759

Tax savings (total)

$9,849

AMT benefit lost

$0

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