Our Mission
RentvsBuyApp was built to help people make one of the biggest financial decisions of their lives with clarity and confidence. The rent vs buy decision involves hundreds of thousands of dollars over a lifetime, yet most people make it based on gut feelings, outdated rules of thumb, or pressure from well-meaning friends and family.
We believe everyone deserves access to the same data-driven analysis that financial advisors charge hundreds of dollars to provide. That’s why our core calculator is completely free — no signup, no login, no hidden fees.
What Makes Us Different
Unlike simple mortgage calculators, RentvsBuyApp compares the complete financial picture of renting versus buying: the opportunity cost of your down payment if invested instead, home appreciation and equity buildup over time, rising rents versus fixed mortgage payments, property taxes, insurance and maintenance, closing costs on both ends, and a break-even analysis showing exactly when buying becomes cheaper.
Our premium reports add AI-powered analysis that interprets your specific numbers with personalized insights, risk assessment, and a clear recommendation.
Our Methodology
Our calculator uses standard mortgage amortization formulas and financial modeling techniques, with default assumptions drawn from public data: national median home prices from federal housing data, average mortgage rates from Freddie Mac, historical appreciation rates, and standard maintenance estimates (1–2% of home value annually). Every input is adjustable and every calculation is visible.
Important Note
RentvsBuyApp provides educational financial tools and is not a licensed financial advisor. We always recommend consulting a qualified financial professional before major decisions. See our full Financial Disclaimer.