Tool categories
Categories View all tools

Rent vs Buy Calculator

Compare total cost of renting vs financing.

How to use

  1. Enter the property price, the monthly rent for a comparable property and the annual rate of return you expect on investments.
  2. Set the financing interest rate and term to see the total cost of buying.
  3. Compare the two scenarios: the tool shows whether renting and investing the difference or financing the purchase costs less over time.

About this tool

The rent-vs-buy decision depends on more than the monthly payment. This tool compares the total cost of renting (rent paid over the period, minus the returns on the money you would otherwise have used for a down payment) against the total cost of financing (installments plus interest, minus the property value at the end).

The comparison uses the opportunity cost of capital: money spent on a down payment could have been invested. If your investments earn more than the financing rate, renting may be cheaper even if the monthly rent is higher than the installment.

The model is simplified — it does not account for property appreciation, maintenance costs, property tax (IPTU) or rent increases. Use it as a starting point, then factor in the local market conditions.

Frequently asked questions

Does my data leave my browser?

No. Everything runs locally in JavaScript on your device — nothing is transmitted or stored.

Is this financial advice?

No. This is an educational tool for estimates only. Real financial decisions depend on fees, taxes and personal circumstances — consult a qualified professional.

Which official tables does the tool use?

The tool uses the latest publicly available rates and tables. You can verify the values against the official sources linked on the page.

alugar vs financiar calculadora finanças online grátis brasil

Related tools

Percentage Calculator The three classic percentage problems solved instantly: X% of Y, X is what % of Y, and % change. Rule of Three Calculator Solve direct and inverse proportions: enter three known values and get the fourth, with the math spelled out. Pix Key Validator Detect the type of a Pix key and check its format — CPF, CNPJ, e-mail, phone or random key — in your browser. Installment vs Cash Compare installments against cash considering opportunity cost. Fixed Income Comparator Compare CDB, LCI/LCA and Treasury bonds after income tax. Equivalent Rate Converter Convert interest rates between monthly, annual and daily.

Long links? Shorten them for free

Vai.la turns any URL into a short link with click statistics, QR Code and your own biolink.

Shorten a link Create free account

Vai.la is not responsible for how the tools are used or for decisions made based on their results.