Калкулатор за наем срещу покупка

Сравнете истинското финансово въздействие от наемането срещу закупуването, за да вземете информирано решение за жилище.

Вашите данни

Купуване

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Отдаване под наем

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Enter your home price, rent, and other assumptions, then click Compare to see which option builds more wealth over time with detailed results and charts.

Пълно ръководство за потребителя

What is Rent vs Buy?

The rent vs buy decision compares the long-term financial outcome of renting a home and investing the difference versus buying a home with a mortgage. Both paths have costs and build wealth in different ways: buying builds equity in a property; renting can free up cash to invest in the market.

Key Factors

  • How long you plan to stay (time horizon)
  • Home price, down payment, and mortgage rate
  • Property taxes, insurance, HOA, and maintenance
  • Rent level and expected rent increases
  • Expected home appreciation vs investment returns

Как да използвате този калкулатор

  1. Enter the home price and your down payment percentage
  2. Enter interest rate, loan term, property tax, insurance, HOA, and maintenance
  3. Enter expected home appreciation rate
  4. Enter monthly rent, rent increase rate, and renters insurance
  5. Set the time period (years) and expected investment return if you rent
  6. Click 'Compare Rent vs Buy' to see which option builds more wealth
  7. Review the wealth chart and detailed comparison below

Разбиране на вашите резултати

По-добър вариант

Whether buying or renting comes out ahead in net wealth over your chosen period. The difference is the gap in net position (equity or investments minus total costs).

Нетна позиция

For buying: home equity minus total costs paid. For renting: investment value minus total rent and insurance paid. The higher net position is the financially better outcome.

Breakeven Year

The first year when buying's net position exceeds renting's. Before that, renting is ahead; after that, buying is ahead (for the assumptions used).

Разбиране на графиките

The line chart shows how much wealth each path builds over your chosen period. The blue line is home equity if you buy; the amber line is the value of investments if you rent and invest the difference. Where the lines cross and which line is higher at the end helps you see the impact of appreciation, rent growth, and investment return.

Важни бележки

  • Results depend on your assumptions (appreciation, rent growth, investment return). Change them to test different scenarios.
  • Closing costs when buying and selling are not included; add a few years to break even in practice.
  • This is a financial comparison only. Lifestyle, job stability, and flexibility matter too.

When Buying Often Makes Sense

  • You plan to stay 5+ years
  • Stable job and location
  • Markets with steady appreciation
  • You want to build equity and fix housing cost

When Renting Often Makes Sense

  • Short-term stay or likely to move
  • High-cost markets where rent is low vs buy
  • You will invest the difference consistently
  • You value flexibility and minimal maintenance

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