Money
Rent vs Buy
How many years until buying wins?
Money utility
How many years until buying wins
The renter invests the deposit and any monthly saving. A renter who spends the difference does much worse than this.
Buying pulls ahead
Not yet
Renting stays ahead for all 10 years at these numbers.
Owner at year 10
$175,104
Renter at year 10
$236,086
Upfront to buy
$45,500
Monthly P&I
$1,991
Selling costs of 6% are deducted from the owner’s position. Leaving those out is how most rent-vs-buy comparisons quietly favour buying.
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About this tool
Compare renting against owning over time, including the costs owners forget and the returns renters get from investing the difference.
Best for
For anyone being told renting is throwing money away, who wants the actual number.
Expected outcomes
Generate actionable structure, optimized formulas, and verified indicators under strict outcome standards.
Goes well with
Keep the workflow moving
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This tool appears in
A number is a start. Here’s what to do with it.
These journeys use Rent vs Buy as one step in a longer sequence of real actions.