Make smarter money decisions with data

Figure My Money

Friday, March 27, 2026

● LIVE

30yr Fixed6.38%▼15yr Fixed5.75%▼Fed Funds3.64%▼Prime Rate6.64%▼SOFR3.54%▼S&P 5005,234▲NASDAQ16,428▲DOW39,127▲30yr Fixed6.38%▼15yr Fixed5.75%▼Fed Funds3.64%▼Prime Rate6.64%▼SOFR3.54%▼S&P 5005,234▲NASDAQ16,428▲DOW39,127▲

Rent vs Buy Calculator

Estimate whether renting or buying builds more wealth over your timeline.

Scenario Inputs

Rent per month

Home price

Down payment

Interest rate

Property tax

Maintenance %

Annual rent increase

Home appreciation %

Investment return %

Years

Recommendation

Buying is financially stronger over this horizon.

Break-even year: Not reached in selected horizon

Rent net worth

$6,582

Buy net worth

$48,917

Net difference

$42,335

Break-even year

Visual Comparison

Recommended Financial Tools

Helpful next steps for this decision

Compare Mortgage Rates

Find the best mortgage rates from top lenders in minutes.

Lower monthly payments
Pre-qualified offers
No impact on credit score

Check Rates

Find Rental Deals

Browse apartments and rental homes in your area.

Verified listings
Filter by budget
Instant availability

View Rentals

This site may earn a commission from partner links at no extra cost to you.

Learn More

Is it better to rent or buy a house in 2026? This calculator compares projected net worth under both paths, including mortgage costs, appreciation, taxes, maintenance, rent inflation, and market returns.