📈 Rent vs. Buy Calculator

See the true 5-year cost of renting vs. buying — including equity, break-even point, and net cost.

Your Scenario

FL historical avg ~4%

🏠 Buying

Net cost after equity

💳 Renting

Total rent paid

Home Value at End
Est. Equity Built
Break-Even Point
Verdict

Buying costs include ~2.5% closing costs, mortgage P&I, estimated taxes (1.1%/yr), insurance (0.45%/yr), and PMI if applicable. Net buying cost subtracts estimated equity at end of period. Appreciation and rent increases are user-adjustable estimates. This is not financial advice.

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