Rent or Buy

Should you rent or buy?

Stop guessing. Compare scenarios with real math — opportunity cost, rent escalation, California taxes, and 30-year projections — so you can make a confident decision.

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How it works

1

Enter your numbers

Input your income, rent, home prices, down payment, interest rates, and other assumptions.

2

Compare scenarios

See side-by-side comparisons across multiple price points and loan terms.

3

Make a confident decision

Understand the true cost of renting vs. buying with 30-year projections.

What makes this different

Multiple price points

Compare 3 different home prices simultaneously to find your sweet spot.

15yr vs. 30yr loans

See how loan term affects your monthly payment, total interest, and net worth.

Rent escalation

Model annual rent increases to see the long-term cost of continuing to rent.

Opportunity cost

Account for investment returns on your down payment if you chose to rent instead.

CA tax logic

California-specific tax calculations including Prop 13 property tax caps and State and Local (SALT) tax deduction of mortgage interest from your federal taxes.

30-year projections

Year-by-year breakdowns showing cumulative costs and net worth over time.

Ready to run your numbers?

Create a free account and start comparing rent vs. buy scenarios in minutes.

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