임대 vs 구매 계산기
무료 계산기: 수십 년간 자가 보유 vs 임대를 비교하세요.
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작동 방식
Enter home price, down payment, mortgage rate and term, property tax, maintenance, appreciation, monthly rent, rent growth, insurance, expected investment return, and projection years. Use local median home price and current rental listings for realistic inputs. Maintenance at 1% of home value is common for newer homes; older properties may need 2% or more. PMI adds to buyer cost until 20% equity but is not modeled separately here. PMI until twenty percent equity is not modeled separately: add to monthly buyer cost mentally if down payment is below threshold. Rent growth above inflation in tight markets accelerates renter path cost: use local listing trend data. PMI until twenty percent equity is not modeled separately: add to monthly buyer cost mentally if down payment is below threshold. Rent growth above inflation in tight markets accelerates renter path cost: use local listing trend data.
Compare net worth over time, break even year, and 10/20/30 year total net worth for buying versus renting. See which path builds more wealth at each horizon. Run the model at 0%, 3%, and 5% appreciation to bracket uncertainty. Pair with GeoArbitrage if relocation could change both housing cost and investment return assumptions. Include opportunity cost of down payment tied up in illiquid home equity versus liquid index funds. Opportunity cost of down payment in renter path uses same return as surplus investing: conservative planners lower both. Run projection at zero three and five percent appreciation to bracket home price uncertainty over thirty years. Break even year is first year buyer net worth exceeds renter net worth in model. Opportunity cost of down payment in renter path uses same return as surplus investing: conservative planners lower both. Run projection at zero three and five percent appreciation to bracket home price uncertainty over thirty years. Break even year is first year buyer net worth exceeds renter net worth in model.
보수적 및 낙관적 시나리오로 가정을 테스트하세요. 다양한 입력값 간 결과를 비교하세요. 결정을 내리기 전에 민감도 분석을 실행하세요.
입력값이 변경될 때마다 임대 vs 구매 계산기을(를) 사용하세요: 시장 변동, 새로운 기여금 또는 수정된 개인 가정 후. 소프트웨어 설치 없이 빠른 재실행을 위해 페이지를 북마크하세요.
단계별 안내
- 임대 vs 구매 계산기을(를) 열고 현재 입력값을 입력하세요.
- 계산된 출력과 요약 테이블을 검토하세요.
- 가정을 조정하고 시나리오를 나란히 비교하세요.
실전 예제
Example scenario for Rent vs Buy Calculator: 1%, 2%, 20%. Enter those values above to reproduce the walkthrough described in How it works.
한 번에 하나의 입력을 조정하여 민감도를 확인하세요. 임대 vs 구매 계산기은(는) 즉시 업데이트되므로 행동하기 전에 낙관적 및 보수적 가정을 스트레스 테스트할 수 있습니다.
이 계산기를 사용할 때
Reach for Rent vs Buy Calculator when compare homeownership vs renting over decades.. It suits quick what if analysis before trades, allocation changes, or plan updates.
결정이 세금, 유동성 또는 하나의 공식이 포착하는 것 이상의 다년 전망을 포괄할 때 관련 도구와 함께 사용하세요.
흔한 실수
입력 단위나 오래된 시장 가격을 확인하지 않고 출력을 복사하는 것은 임대 vs 구매 계산기에서 흔한 오류입니다. 행동하기 전에 티커, 백분율 및 날짜를 확인하세요.
단일 기준 시나리오만 실행하면 꼬리 위험을 무시합니다. 보수적 입력으로 스트레스 테스트하고 결정이 중요할 때 아래 나열된 관련 도구와 비교하세요.
공식
Net Worth Buy = Home Price × (1 + Appreciation)^Year - Remaining Loan Balance. Net Worth Rent = Down Payment × (1 + Invest)^Year + Monthly Diff Invested × Compound Factor. Break even when Buy > Rent.
Projects net worth for both paths including appreciation, investment returns, rent increases, taxes, and maintenance. Excludes transaction costs, HOA fees, renovation, and tax benefits of mortgage interest deduction. Treat as a long horizon planning tool. Mortgage interest deduction benefit not modeled: itemizers in high tax states may see buyer path improve slightly. Closing costs at buy and sell omitted: add two to five percent round trip mentally for short horizons. Property tax cap rules in some US states limit tax growth: use local effective rate not purchase price times rate. Transaction costs at buy and sell omitted: add two to five percent for short hold periods. Mortgage interest deduction benefit not modeled: itemizers in high tax states may see buyer path improve slightly. Closing costs at buy and sell omitted: add two to five percent round trip mentally for short horizons. Property tax cap rules in some US states limit tax growth: use local effective rate not purchase price times rate. Transaction costs at buy and sell omitted: add two to five percent for short hold periods.
제한 사항 및 가정
Projects net worth for both paths including appreciation, investment returns, rent increases, taxes, and maintenance. Excludes transaction costs, HOA fees, renovation, and tax benefits of mortgage interest deduction. Treat as a long horizon planning tool. Mortgage interest deduction benefit not modeled: itemizers in high tax states may see buyer path improve slightly. Closing costs at buy and sell omitted: add two to five percent round trip mentally for short horizons. Property tax cap rules in some US states limit tax growth: use local effective rate not purchase price times rate. Transaction costs at buy and sell omitted: add two to five percent for short hold periods. Mortgage interest deduction benefit not modeled: itemizers in high tax states may see buyer path improve slightly. Closing costs at buy and sell omitted: add two to five percent round trip mentally for short horizons. Property tax cap rules in some US states limit tax growth: use local effective rate not purchase price times rate. Transaction costs at buy and sell omitted: add two to five percent for short hold periods. Rent vs Buy Calculator does not replace personalized advice. Fees, slippage, account specific rules, and behavioral constraints may change real world outcomes.
주요 용어
- How is the mortgage payment calculated
- Monthly mortgage = P × r × (1+r)^n / ((1+r)^n - 1) with r = annual rate / 1200 and n = term months.
- What costs does the model account for
- Buying builds equity in an appreciating asset but ties up a down payment and incurs mortgage, tax, and maintenance costs.
- 모델 가정
- Break even year is the first year where net worth from buying exceeds net worth from renting.
대안 비교
Mortgage Refinance Break Even helps if you already own and wonder about rate changes. Use those calculators when rent vs buy calculator alone does not capture the full decision.
portfolios.tools의 내부 링크는 계산기 체인을 도와줍니다: 먼저 임대 vs 구매 계산기을(를) 실행한 다음, 아래 관련 섹션의 전문 도구로 엣지 케이스를 검증하세요.
FAQ
How is the mortgage payment calculated?
Monthly mortgage = P × r × (1+r)^n / ((1+r)^n - 1) with r = annual rate / 1200 and n = term months. Loan balance at any month uses amortization formula: P(1+r)^m - PMT((1+r)^m - 1)/r. Property tax and insurance are included as annual costs. Home value grows at your appreciation assumption each year. Closing costs at purchase are not modeled in net worth but reduce initial renter investment if you include them. Mortgage amortization builds equity while renter path invests down payment plus monthly surplus at market return. Renter path invests down payment and monthly cost surplus at your market return assumption. Mortgage amortization builds equity while renter path invests down payment plus monthly surplus at market return. Renter path invests down payment and monthly cost surplus at your market return assumption.
What costs does the model account for?
Buying builds equity in an appreciating asset but ties up a down payment and incurs mortgage, tax, and maintenance costs. Renting keeps cash invested in markets with no property obligations. The model includes mortgage principal and interest, property tax, maintenance as a percent of home value, homeowners insurance, and rent with annual growth. Renter surplus is invested at your market return assumption. Transaction costs at purchase and sale are not modeled but typically favor renting in short hold periods. Renter invests down payment and monthly surplus at same return assumption as buyer equity growth rate. Renter invests down payment and monthly surplus at same return assumption as buyer equity growth rate.
How is break even determined?
Break even year is the first year where net worth from buying exceeds net worth from renting. Net worth buying = home value minus loan balance. Net worth renting = down payment invested plus surplus saved monthly if renting costs less. In hot markets with low appreciation and high rent growth, break even can exceed 10 years. In high appreciation markets buying may win within 3 to 5 years. HOA fees and special assessments are not included but reduce buyer net worth if added to maintenance. Break even beyond ten years often favors renting plus investing in high price to rent metros with modest appreciation. Break even beyond ten years often favors renting plus investing in high price to rent metros with modest appreciation.
How does the renter investment account work?
The model reinvests the down payment in the market for renters and adds the monthly cost difference (mortgage + tax + maint minus rent) to the investment. Positive difference means renting is cheaper, boosting renter net worth. If owning costs less than renting each month, the renter account does not receive extra contributions. This captures the classic rent and invest the difference strategy.
Which assumptions matter most?
Home appreciation rate, rent growth, investment return, and mortgage rate are the critical assumptions. Small changes in these inputs can flip the winner. Test a base case plus optimistic and pessimistic scenarios. A 1% change in appreciation over 30 years can shift net worth by hundreds of thousands on a typical home price. Local rent to price ratios strongly influence outcomes. Markets where monthly rent exceeds mortgage payment favor renting and investing the surplus aggressively. Home maintenance at two percent of value suits older stock: new construction may justify one percent maintenance input. Primary residence emotional value is not in model: add subjective premium to buy side if home stability matters. Home maintenance at two percent of value suits older stock: new construction may justify one percent maintenance input. Primary residence emotional value is not in model: add subjective premium to buy side if home stability matters.
이 Rent vs Buy 계산기를 휴대폰이나 태블릿에서 어떻게 사용하나요?
네. Rent vs Buy 계산기는 최신 모바일 브라우저에서 데스크톱과 동일한 공식으로 작동합니다. 선택적 localStorage로 입력값을 기기에 저장할 수 있습니다.
임대 vs 구매 계산기을(를) 사용할 때 내 데이터는 어디에 저장되나요?
당사 서버 어디에도 없습니다. 계산은 브라우저에서 로컬로 실행됩니다. 선택적 localStorage는 기기에서만 양식 필드를 저장하며 네트워크를 통해 포트폴리오 번호를 전송하지 않습니다.
세금 또는 법적 결정에 임대 vs 구매 계산기에 의존해야 하나요?
아니요. 이 도구는 교육용 수학만 제공합니다. 세법, 계좌 규칙 및 개인 상황은 다양합니다. 중대한 결과를 초래하는 거래 전에 자격을 갖춘 세무 또는 법률 전문가와 상담하세요.
관련 도구
Mortgage Refinance Break Even helps if you already own and wonder about rate changes. Cap Rate Evaluator supports rental property analysis if you are comparing buy to rent versus buy to live. Cash on Cash Return shows rental investor returns when buying as an investment. Monte Carlo FIRE adds stochastic return paths to stress test renter versus buyer outcomes. BRRRR Analyzer and Cap Rate Evaluator extend housing analysis when buy decision is investment not primary residence. BRRRR Analyzer and Cap Rate Evaluator extend housing analysis when buy decision is investment not primary residence.