Rent vs Buy Calculator Horizon model

Compare estimated total rent outflow against ownership net cost after equity recovery and selling costs.

Current monthly rent ($)

Annual rent increase (%)

Home purchase price ($)

Down payment (%)

Mortgage rate (%)

Loan term (years)

Property tax rate (% / year)

Home insurance per year ($)

Maintenance (% of home value / year)

HOA per month ($)

Buy closing costs (% of price)

Sell costs (% of sale price)

Annual home appreciation (%)

Years to stay

Enter values and run calculation.

Run conservative, baseline, and optimistic scenarios for appreciation and rent growth to avoid overconfidence from one assumption set.