Rent vs Own

Model the long-term financial outcome of renting vs buying property, comparing cash, equity and net wealth over time.

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Power user? Compare multiple scenarios side-by-side with our Sensitivity Analysis Tool.
Equity difference ?
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Own minus rent at the final year
Breakeven year ?
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When owning net equity overtakes renting for good
Initial cash ?
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Starting capital at Year 0
Monthly housing budget
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Min–max monthly budget over the horizon

Comparison

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In future dollars, not adjusted for inflation.
Hover over the chart to inspect a year.

Own snapshot

Rent snapshot

Cashflow by year ?

Every figure is for that year, in future dollars. Money out is shown with a minus sign.

What this assumes