Rent vs Buy Comparison
Compare discounted rental and ownership costs over an entered holding period.
Pre-filled values are examples, not personal facts or current local rates. Replace them before calculating.
Calculation method and references
Discount monthly cash flows; deduct discounted ending net sale equity from ownership outflows.
Method reviewed: 2026-09-08
Your entries remain in this browser. No account, upload, tracking of form values or persistent saving. Export only when you choose.
{"fields":[{"key":"price","label":["房屋购买价","Purchase price"],"type":"number","value":2000000,"min":1,"max":1000000000,"step":"any"},{"key":"down","label":["首付比例 %","Down payment %"],"type":"number","value":30,"min":0,"max":100,"step":"any"},{"key":"rate","label":["贷款年利率 %","Annual mortgage rate %"],"type":"number","value":3,"min":0,"max":30,"step":"any"},{"key":"term","label":["贷款总期数(月)","Loan term in months"],"type":"number","value":360,"min":1,"max":600,"step":1},{"key":"rent","label":["当前每月租金","Current monthly rent"],"type":"number","value":5000,"min":0,"max":1000000000,"step":"any"},{"key":"years","label":["比较年数","Comparison years"],"type":"number","value":5,"min":1,"max":40,"step":1},{"key":"rentGrowth","label":["租金年变化 %","Annual rent change %"],"type":"number","value":0,"min":-50,"max":50,"step":"any"},{"key":"houseGrowth","label":["房价年变化 %(假设)","Annual home value change %, assumed"],"type":"number","value":0,"min":-50,"max":50,"step":"any"},{"key":"investment","label":["资金年机会成本 %(假设)","Annual discount/opportunity rate %, assumed"],"type":"number","value":2,"min":-50,"max":50,"step":"any"},{"key":"buyCosts","label":["买入税费及手续费合计","Purchase taxes and closing costs"],"type":"number","value":50000,"min":0,"max":1000000000,"step":"any"},{"key":"sellRate","label":["期末出售费用占售出价 %","Sale cost as % of final value"],"type":"number","value":2,"min":0,"max":100,"step":"any"},{"key":"annualOwner","label":["每年业主持有费用","Annual owner-only expenses"],"type":"number","value":6000,"min":0,"max":1000000000,"step":"any"}],"title":["租房还是买房比较","Rent vs Buy Comparison"],"engine":"rent-buy","scope":["这是对输入假设的比较,不预测房价,也不做购房建议;税费、物业、维护等须按情景填全。","Scenario comparison, not a price forecast or buying recommendation. Enter all relevant taxes, maintenance and ownership costs."]}