Fórmula
Net cost of buying = down payment + mortgage payments + transaction and ownership costs − ending home equity; renting cost = monthly rent × months.
Moradia e financiamento · Ferramenta 101 de 200.000
Buy vs Rent Calculator
Insira seus dados para calcular Buy vs Rent Calculator de forma transparente e reproduzível, com fórmula e escopo visíveis.
DisponívelScenario estimateCálculo localUS · USD
Seus dados
Insira valores reais
✓ Os dados são calculados nesta página e não são enviados nem salvos.
Resultado ao vivo
Lower cash cost over 10 years
Rent
The difference under the current assumptions is about $ 49.574,21.
- Net cash cost of buying
- $ 769.574,21
- Cumulative rent
- $ 720.000,00
- Estimated monthly payment
- $ 7.472,79
- Home equity at the end
- $ 1.164.660,23
Reproducible, not guessed
Como foi calculado?
Escopo
The base model assumes unchanged home prices and rent, with annual ownership costs estimated at 1% of the home price. Use it for an initial comparison, not as a complete asset model.
Model context
localept-BRcountryUScurrencyUSDtimezoneAmerica/New_Yorkunit_systemimperialrules_versionus-2026.08source_languageen-US
Results are for first-pass estimates and scenario comparison. Important tax, employment, health and investment decisions should be verified against local official guidance or a qualified professional.