Rent vs Buy Calculator
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A rent vs buy calculator compares the total cost of renting a home against buying one over a given time horizon. It accounts for mortgage payments, opportunity cost of the down payment, maintenance, taxes, and rental increases.
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Tip: The most important variable is how long you plan to stay. The transaction costs of buying (stamp duty, legal fees, agent fees) typically take 3–5 years just to break even.
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Fun Fact
The New York Times offers a detailed rent-vs-buy calculator; in most global cities, renting and investing the difference often outperforms buying over 10-year horizons unless house prices grow significantly.
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