Rent vs Buy: Home Calculator
Ownership & Opportunity Cost
About
This app provides a comprehensive financial analysis of renting versus buying a home. It goes beyond simple monthly payments to account for hidden costs like opportunity cost of down payments and invested savings, offering a full net worth comparison.
What's New in Rent vs Buy
1.1.0
August 26, 2026
Everything is free now. The Pro version is gone. Full net worth comparison, break-even analysis, the sensitivity grid, the monthly cost chart, and every advanced input are unlocked for everyone, ad-free.
MoreIn-App Purchases
$4.99
Rent vs. Buy Pro
Unlock advanced analysis & charts, ad-free.
Developer apps
FAQ
Does Rent vs Buy have ads?
No, Rent vs Buy is completely ad-free. The app explicitly states 'NO ADS OR PAYWALLS' and that every feature is unlocked for everyone.
What is the price of Rent vs Buy?
Rent vs Buy is available for free. There are no subscription fees or in-app purchases required to access any of its features.
How does Rent vs Buy compare to other calculators?
Unlike most calculators that only compare monthly payments, Rent vs Buy runs a robust long-term analysis including mortgage interest, property taxes, insurance, investment returns, and tax deductions.
What financial factors does Rent vs Buy consider?
It considers mortgage interest, property taxes, insurance, maintenance, HOA fees, closing costs, PMI, rent appreciation, home appreciation, investment returns, and tax deductions, among others.
Can I customize the assumptions in Rent vs Buy?
Yes, every assumption is yours to change, from rent growth to expected market return. This allows for a personalized financial picture.
What results does Rent vs Buy provide?
It provides a full net worth comparison, break-even year, and the appreciation and stock return rates that would flip the answer. Results are shown at 1, 5, 10, 20, and 30 years.
What devices is Rent vs Buy available on?
Rent vs Buy is supported on iPhone and iPod devices. It is designed for iOS users.
How often is Rent vs Buy updated?
The latest version, 1.1.0, was released on August 26, 2026. The app was initially released on May 21, 2026, indicating a recent update.