Calculators

Rent versus buy

The one cost that never stops against a payment that falls and ends. Handles a zero-down purchase, an interest-only opening and lump-sum prepayments.

Rent versus buy

Rent never stops. A loan does.

Renting your premises is the one cost that rises every year and leaves you nothing. Owning them is a payment that falls every month and ends. Put your own numbers in and see where the two lines cross.

The premises

$1.2M
0%
6%
25 yrs
12 mo
$0

What you pay now

$7,000
3%
$0
15 yrs
Leave owner costs at zero if your lease is triple-net — you already pay the taxes, insurance and maintenance either way, so counting them again would tilt the answer. The financing assumption is yours; this site quotes no rates.
Buying ahead
by $0 after 15 years
BuyingRenting
Opening payment$0
First full payment$0
Final payment on the loan$0
Rent, first month$0
Rent by the end$0
Loan clears in—
Equity in the building$0
Paid to a landlord$0

Monthly cost, side by side

Owner payment falling against rent rising

A commercial principal-and-interest loan: a fixed slice of principal every month plus interest on what is still owed, so the payment falls as the balance does. Not a blended mortgage payment. Arithmetic on figures you supplied — not an approval, a pre-approval, or an offer. Arithmetic last checked for accuracy on October 15, 2026.

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A calculator is a starting point, not an answer

Real numbers on a real file come from a conversation. Bring what you have and you will get a straight read on it.

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