Rent vs Buy: Home Calculator
Ownership & Opportunity Cost
Only for iPhone
Free · In‑App Purchases
iPhone
Renting and buying both have hidden costs. Rent vs Buy accounts for the opportunity cost of your down payment, home equity, and invested savings, so you can see the full financial picture.
NO ADS OR PAYWALLS
Every feature is unlocked for everyone. No Pro version, no subscription, no advertising.
Most calculators only compare monthly payments. This one runs a robust long-term analysis using real numbers: mortgage interest, property taxes, insurance, maintenance, HOA fees, closing costs, PMI, rent appreciation, home appreciation, investment returns, and tax deductions, and more.
• Full net worth comparison, including home equity, invested savings, and opportunity cost
• Every assumption is yours to change, from rent growth to expected market return
• Break-even year, plus the appreciation and stock return rates that would flip the answer
• Results at 1, 5, 10, 20 and 30 years
For educational purposes only. Not financial advice.
Ratings & Reviews
Everything is free now.
The Pro version is gone. Full net worth comparison, break-even analysis, the sensitivity grid, the monthly cost chart, and every advanced input are unlocked for everyone, ad-free.
The developer, John Manion, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- John Manion
- Size
- 34.7 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Contains
Advertising
- In-App Purchases
Yes
- A round of coffees $20.00
- Coffee and a pastry $10.00
- Coffee $3.00
- Copyright
- © 2026 John Manion