Compare homeownership equity against renting & stock investing over time.
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Enter your target purchase price, down payment percentage, and estimated mortgage interest rate.
Specify local monthly rental rates, annual rent growth, and expected stock market return.
Analyze the multi-year net wealth trajectory table to see which option produces greater long-term net worth.
The calculator assumes the renter invests the initial down payment and any monthly savings into an index fund growing at the specified investment return rate.
In most real estate markets, a break-even timeline under 5 to 7 years makes buying financially advantageous if you plan to stay in the property.
Zero-egress companion tools in the Calculators suite
Solve percentage increases, decreases, fractions, and discounts.
Calculate future investment value with recurring contributions.
Calculate monthly payments, total interest, and amortization schedule.
Calculate your monthly mortgage payments and total interest easily.
