Wealth Analyzer

Rent vs BuyWealth Analyzer.

See the real long-term wealth gap — and the true cost of waiting to buy.

Current rent ($/mo)

Rent increase %/yr

Home price

Down payment 20%

Mortgage rate %

Loan term (yrs)

Property tax %/yr

Appreciation %/yr

Investment return %/yr

Time horizon

"What if I wait" years: 5

Estimated buying cost: $2,875/mo (PITI + HOA)

Net wealth difference after 10 years

+$137,310

Buying could put you ahead by $137,310 in long-term wealth.

If you BUY

Home value$634,769

Equity built$329,575

Total wealth$329,575

If you RENT

Total rent paid$366,740

Investment growth$102,265

Net wealth$192,265

Cost of waiting 5 years

$249,906

in lost appreciation + rent paid

Future price

$534,459

Price increase

$84,459

Rent during wait

$165,448