For Buyers
Buy vs. Rent Calculator
Model the true, multi-year cost of owning versus renting, with equity, appreciation and opportunity cost all in.
How long you'll stay7 yrs
Home appreciation4% / yr
Rent increases4% / yr
Includes ~2% buyer closing costs, property tax, insurance, a maintenance/HOA reserve, and the opportunity cost of investing your down payment at 6% if you rented instead. Estimates only, not financial advice.
Buying comes out ahead
$79,930
less to own than to rent over 7 years, after selling costs.
- Monthly payment (P&I)
- $6,068
- Home value in 7 yrs
- $1,579,118
- Your equity at sale
- $616,375
- Buying pulls ahead
- Year 6
Talk it through
Want the real numbers for your home?
These estimates get you close. For an exact, property-specific figure, and a plan tailored to your goals, Alex will prepare one personally, at no cost and no obligation.
More tools
Mortgage Calculator
Your full monthly payment, principal, interest, taxes, insurance, HOA and PMI, all in one place.
Open →
Closing Cost Estimator
Itemize what you'll actually pay, or net, at the closing table, in seconds.
Open →
Seller Net Proceeds Calculator
Sale price minus commission, closing costs, prep and your loan payoff. See your real take-home in seconds.
Open →
Capital Gains Tax Estimator
Estimate your taxable gain after the $250K/$500K exclusion, and a California tax range. Education, not advice.
Open →
Renovation ROI Calculator
Before you spend a dollar preparing to sell, see which improvements actually pay you back.
Open →