Disclaimer

Last updated: January 2026

The information provided on this website and through the Rent vs Buy True Cost Calculator is for general informational and educational purposes only.

Not Financial Advice

This calculator does not provide financial, investment, tax, or legal advice.

All results are estimates based on:

• The numbers you enter

• Assumptions selected within the calculator

• Historical averages and simplified models

Actual results may differ significantly.

Before making any financial or housing decisions, consider consulting a qualified professional such as:

• A financial advisor

• A tax professional

• A real estate professional

No Guarantees

• Housing markets change

• Interest rates fluctuate

• Investment returns vary

• Taxes, insurance, and maintenance costs differ by location

This tool does not guarantee that renting or buying will produce any specific financial outcome.

Investment Assumptions Explained

When the calculator shows “invested savings” for renting, this does not mean extra monthly income.

It represents money that could have been spent on buying a home (such as down payments, closing costs, and cost differences) but is instead assumed to be invested.

Investment return rates shown are historical averages, not predictions. Actual returns may be higher or lower, and returns can change year to year.

Accuracy of Information

While we aim to provide reasonable estimates, we make no warranties or representations regarding:

• Accuracy

• Completeness

• Reliability

You use this calculator at your own risk.

Limitation of Liability

By using this website, you agree that the site owner is not liable for:

• Financial losses

• Housing decisions

• Investment outcomes

• Any damages resulting from use of this tool

External Links

This site may contain links to third-party websites for informational purposes. We do not control or endorse their content.

Acceptance of Terms

By using this website and calculator, you acknowledge that:

• You understand this disclaimer

• You accept responsibility for your decisions

• You agree to these terms