# Rent vs Buy: Home Calculator — Ownership & Opportunity Cost

> Comprehensive rent vs. buy home financial analysis with opportunity cost. (iPhone/iPad app by John Manion.)

- Source: https://appshunter.io/ios/app/rent-vs-buy-home-calculator/id6768829509 (this page in markdown: same URL + `.md`)
- Developer: [John Manion](https://appshunter.io/developer/1896608657)
- Category: Finance, Education
- Price: Free with in-app purchases
- Rating: 5.00/5 from 3 App Store ratings
- Age rating: 4+
- Requires: iOS 15.1 · 33 MB
- Languages: American English
- Released: 2026-05-21
- Data updated: 2026-09-06
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/rent-vs-buy-home-calculator/id6768829509/reviews.md

## What is Rent vs Buy?

Renting and buying both have hidden costs. Rent vs Buy accounts for the opportunity cost of your down payment, home equity, and invested savings, so you can see the full financial picture.

NO ADS OR PAYWALLS

Every feature is unlocked for everyone. No Pro version, no subscription, no advertising.

Most calculators only compare monthly payments. This one runs a robust long-term analysis using real numbers: mortgage interest, property taxes, insurance, maintenance, HOA fees, closing costs, PMI, rent appreciation, home appreciation, investment returns, and tax deductions, and more.

• Full net worth comparison, including home equity, invested savings, and opportunity cost
• Every assumption is yours to change, from rent growth to expected market return
• Break-even year, plus the appreciation and stock return rates that would flip the answer
• Results at 1, 5, 10, 20 and 30 years

For educational purposes only. Not financial advice.

## Key features

- Opportunity cost calculation
- Full net worth comparison
- Long-term financial analysis
- Customizable assumptions
- Break-even year calculation
- Results at multiple timeframes

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Rent vs. Buy Pro | $4.99 | one-time |



## Frequently asked questions about Rent vs Buy

### 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.

## Version history (last 4 releases)

### 1.1.0 — 2026-08-26

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.

### 1.0.2 — 2026-06-10

Minor updates and improvements.

### 1.0.1 — 2026-05-22

Bug fixes and performance improvements.

### 1.0 — 2026-05-21

No release notes.

## More apps by John Manion

- [Topside: Classic](https://appshunter.io/ios/app/topside-classic/id6771165837)
- [Dice Drop: 2048 Number Merge](https://appshunter.io/ios/app/dice-drop-2048-number-merge/id6778957322)

All apps by John Manion: https://appshunter.io/developer/1896608657

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-06.*