Rent vs Buy Calculator
Compare the long-term cost, cash flow and net worth impact of renting versus buying
買房參數
租房參數
其他參數
比較結果
分析建議
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About the Rent vs Buy Calculator
Buying or renting is a long-term financial decision. This calculator compares mortgage payments, down payment opportunity cost, rent growth, home appreciation, maintenance, taxes and investment returns to estimate long-term net worth.
How to Use
- Enter purchase assumptions such as price, down payment, mortgage rate, term, maintenance and taxes.
- Enter rent assumptions such as monthly rent, deposit and annual rent growth.
- Set the comparison period, investment return and selling cost.
- Compare net worth, cash flow, break-even year and the charted yearly difference.
Frequently Asked Questions
What is the key difference between buying and renting?
Buying can build equity but requires upfront cash, debt service and maintenance. Renting preserves flexibility and investable cash, but rent payments do not build home equity.
When does buying usually look better?
Buying tends to look better when you stay longer, mortgage rates are manageable, appreciation is reasonable and the opportunity cost of the down payment is not too high.
What investment return should I use?
Use a realistic long-term return for the assets you would actually hold if renting. Avoid using an aggressive return unless that risk fits your real plan.
Related Calculators
Compare financing details with the mortgage calculator, then model long-term opportunity cost with the compound interest calculator.
