Interactive buyer tool

Rent vs Buy Calculator

Compare the long-term economics of renting versus buying in Manhattan or Miami, including monthly carry, transaction costs, appreciation, principal paydown, and opportunity cost.

Rent scenario
Opportunity return on down payment and closing-cost cash if it remains invested.
Buy scenario
Ownership costs
Transaction costs

When this is useful

Rent-versus-buy decisions are clearest when the model includes both lifestyle and capital cost. This tool compares the cost of staying flexible as a renter with the cost of owning, building equity, absorbing transaction friction, and tying up cash in a property.

Related tools

Affordability CalculatorEstimate the purchase range your income, cash, debt, and reserves may support.Mortgage CalculatorModel monthly carrying cost, cash to close, and payment-to-income on a target purchase.Net Proceeds CalculatorFor owners funding the next purchase from a sale in NYC or Miami.
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