Rent vs Buy

This calculator tracks net worth for both paths year by year — not just costs.

Renter: invests the down payment + closing costs and any monthly savings when buying would be more expensive. The portfolio compounds at your expected investment return.

Buyer: pays mortgage, maintenance (scaled to current home value), property tax, and insurance. Net worth = home value − mortgage − selling costs.

The recommendation is based on who ends up wealthier at the end of the comparison horizon.