🏘️ เครื่องคิดเลขค่าเช่าและค่าซื้อ

เกี่ยวกับเครื่องคิดเลขนี้

Renting or buying is rarely obvious, and this rent vs buy calculator settles it on cost. Buying carries a down payment, mortgage interest, property tax and upkeep but builds equity as the home appreciates; renting is simpler but the money is gone and the down payment could have been invested instead. The tool tallies the net cost of each path year by year and finds the break-even year — the point at which buying pulls ahead of renting.

For buying it adds mortgage payments, property tax and maintenance, then subtracts the equity you build as the home appreciates; for renting it sums the rent (growing each year) minus what the invested down payment would earn. On a 350,000 home with 20% down at 7% versus 2,000 rent, high early interest and closing-type costs keep renting cheaper at first, and the break-even often lands several years out depending on appreciation and investment return.

Use it to decide whether to buy now or keep renting, and to test how the horizon, appreciation, rent growth and investment return shift the answer. On short stays renting usually wins; the longer you hold and the faster the home appreciates, the sooner buying comes out ahead.