Compare cumulative rent with net ownership cost including equity, entry and sale costs, and foregone growth on upfront cash.
Change the inputs that matter to your decision. Optional assumptions stay collapsed until you need them.
The comparison includes ownership costs plus entry, exit, and down-payment opportunity costs.
Buying is lower by $65,214 under the entered assumptions.
Net buy cost includes $34,270 of sale costs and $61,474 of foregone growth on upfront cash.
| Year 1 | $30,000 rent$64,166 net buy cost · $101,550 equity |
|---|---|
| Year 5 | $159,274 rent$163,971 net buy cost · $174,414 equity |
| Year 10 | $343,916 rent$278,702 net buy cost · $282,926 equity |
This is a scenario model, not a forecast. It excludes income-tax effects, renter insurance, moving costs, renovation, and investment of future monthly cost differences.
Practical notes about the inputs, assumptions, and result.
A down payment could otherwise earn a return, and selling typically consumes part of the home's value. Including both avoids an unrealistically early break-even result.
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