Turn a rent-versus-buy decision into a clear, numbers-backed answer in minutes. This rent vs buy calculator spreadsheet compares the true cost of renting against the true cost of buying a home over any time horizon, factoring in mortgage interest, property taxes, insurance, maintenance, closing costs, home appreciation, and the return you’d earn investing the difference. It’s a Google Sheets and Excel file that auto-calculates the moment you enter your numbers, with no add-ons or plugins to install.

WHO IT’S FOR

• First-time home buyers deciding whether to keep renting or buy now
• Renters running the numbers on a mortgage vs rent payment
• Couples comparing housing costs across cities or neighborhoods
• Anyone weighing a down payment against investing that cash instead

WHAT YOU GET

• Rent vs buy comparison dashboard with a clear break-even year
• Full mortgage payment breakdown: principal, interest, taxes, insurance, PMI
• Cost-of-renting tab with annual rent increases and renters insurance
• Opportunity-cost model for investing your down payment and monthly difference
• Editable assumptions for interest rate, home price appreciation, and time horizon

HOW IT WORKS

1. Download the file and open it in Google Sheets or Excel.

WHY GROWTORIA
Built by operators and human-tested; message us and we reply within 48h.

POLICY
Instant digital download, no physical item. Sales are final once delivered. A faulty file? We fix or replace it. Buy once, no subscription.