Rent vs Buy Calculator
30-year opportunity-cost projection of buying vs renting & investing the difference.
100% Secure. Calculations run locally — your data never leaves your browser.
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After 30 years — Buying wins
$783,946.11
Owner net $562,299.06 · Renter net -$221,647.05
Monthly P&I
$2,022.62
Excludes tax / ins / maint
Owner net (Y30)
$562,299.06
Equity (after 6% sale) − costs
Renter net (Y30)
-$221,647.05
Invested down + gap @ market return
Net wealth — owning vs renting (cumulative)
Rent vs Buy — answers & formulas
Deep-dive formulas, definitions, and worked examples — indexed for search and ready to share.
Math HistoryFrance · 1642
The 17th-Century Tax Crisis
An 18-year-old French math prodigy named Blaise Pascal grew tired of watching his father labor over grueling, manual tax bookkeeping. To solve the problem, he invented the Pascaline—the world's first operational mechanical calculator. It executed addition and subtraction using a complex internal system of interlocking clock gears and brass wheels, hand-turned via a metal stylus.
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