At what point does buying actually beat renting?
Your rate, your rent, your timeline. We compare buying to renting and investing the difference — and tell you when buying pulls ahead.
Your inputs
Renting wins at 10 yrs
-$110,351
buy vs rent+invest net worth at your horizon
How to read this
Buying compounds equity through appreciation and paydown; renting frees up cash you can invest. We assume a 3% buy-side and 7% sell-side transaction cost, and re-invest any monthly rent savings at your assumed return. Change appreciation and investment return by even a point and the answer flips — that's the point.
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