Break-even + year-by-year comparison + CSV
Often ~5–6% agent + fees.
Opportunity cost of tying money in home.
Itemized: mortgage interest + property tax + other itemized.
Set your year/status value (estimate).
Used to estimate tax savings from deductions.
e.g., charitable, medical, etc.
This free USA rent vs buy calculator compares renting vs buying by estimating home equity, selling costs, and the opportunity cost of investing your money elsewhere. It includes mortgage payoff with optional extra payments, property taxes, insurance, HOA, maintenance, rent increases, and provides a break-even year with a year-by-year net worth table and CSV export.
Is it exact? No—this is a planning estimate. Real costs, tax benefits, and market changes vary.
What is break-even? The year when buying becomes better than renting (by this model).
Does it include tax deductions? This version does not include mortgage interest deduction (varies by situation).