Rent vs Buy Calculator Modelo Essentials
Compare the financial outcomes of renting versus buying over a specified time period. Factor in appreciation, tax implications, and opportunity cost.
O Que Está Incluído
- Dashboard with rent vs. buy comparison showing total cost of renting, total cost of buying, and net difference
- Calculator with rental inputs (monthly rent, annual increase) and purchase inputs (price, rate, down payment)
- Year-by-year cost comparison table showing cumulative rent paid vs. cumulative homeownership costs over time
- Equity buildup tracking that shows how much home equity is gained each year through mortgage principal payments
- Break-even analysis with color-coded input cells showing when buying becomes less expensive than renting
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
Need more from this template?
The Essentials version covers everyday tracking. Ultimate goes further with multi-entity support, scenario analysis, and ultimate-grade reporting.
- Dashboard with rent vs. buy comparison showing total cost of renting, total cost of buying, and net difference
- Calculator with rental inputs (monthly rent, annual increase) and purchase inputs (price, rate, down payment)
- Year-by-year cost comparison table showing cumulative rent paid vs. cumulative homeownership costs over time
- Equity buildup tracking that shows how much home equity is gained each year through mortgage principal payments
- Planilha abrangente de premissas cobrindo preco de compra, entrada, taxa do financiamento, taxa de IPTU, condominio, manutencao, valorizacao do imovel, aluguel, reajuste do aluguel e retorno de investimento
- Painel com 6 cartoes de KPI: ano de equilibrio, custo de compra em 10 anos, custo de aluguel em 10 anos, vantagem liquida da compra, parcela mensal vs aluguel e entrada necessaria
- Tabela comparativa ano a ano mostrando custos acumulados de compra vs aluguel ao longo de 10 anos com diferenca liquida a cada ano
- Analise de ponto de equilibrio identificando o ano exato em que comprar se torna mais barato que alugar em base acumulada
- Grade de analise de sensibilidade mostrando o ano de equilibrio em 5 taxas de valorizacao cruzadas com 5 taxas de financiamento (25 combinacoes)
Pré-visualização
Veja o que tem dentro desta planilha
Como Usar Esta Planilha de Rent vs Buy Calculator
Enter rental details
Input current monthly rent and expected annual rent increase percentage for the comparison period.
Enter purchase details
Add the home price, down payment, mortgage rate, property taxes, insurance, and maintenance estimates.
Set the time horizon
Enter the number of years for the comparison. Results change significantly over different holding periods.
Compare the results
The dashboard shows total cost of renting vs total cost of buying, equity built, and the break-even year.
Criadas com Claude AI. Aperfeiçoadas por nós.
Usamos Claude AI para criar cada planilha, após uma pesquisa aprofundada. Depois, nossa equipe entra em ação. Refinamos o layout, testamos exaustivamente cada fórmula, corrigimos casos extremos e polimos o design até que pareça algo que nós mesmos usaríamos. A IA nos leva 80% do caminho. Os últimos 20% são puro julgamento humano.
Perguntas Frequentes
What costs are included in the buy side?
Mortgage payments, property taxes, insurance, maintenance, HOA fees, and opportunity cost of the down payment. Equity buildup is factored as a credit.
Does it account for home appreciation?
Yes. Enter an expected annual appreciation rate. The calculator factors in property value growth when computing the net cost of buying.
What is opportunity cost of the down payment?
If the down payment were invested instead of used for a home purchase, it would earn returns. The calculator accounts for this foregone investment growth.
When does buying typically break even?
It varies widely by market and inputs. The break-even analysis shows the specific year when cumulative buying costs become lower than cumulative renting costs for your scenario.
Como abrir no Google Sheets?
Envie o arquivo .xlsx para o Google Drive e abra com o Google Sheets. Todas as fórmulas e formatações serão preservadas.
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