Help your Realtor partners answer the question every client asks: is it smarter to buy or keep renting? Enter the numbers and instantly see the total cost of each path over time — and the year buying pays off. Branded to your title company, it's a tool agents use on every listing appointment.
Total cost of buying vs. renting over your time horizon
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“Should I just keep renting?” is the question every buyer wrestles with — and most agents answer it with a gut feeling. A rent vs. buy calculator on your title company's website lets them answer it with real numbers: total cost of owning (mortgage, taxes, insurance, maintenance, minus the equity they build) versus renting (rising rent, minus what they could earn investing the down payment) over the exact years the client plans to stay.
It even shows the break-even year — when buying overtakes renting. Agents reach for a tool like this on listing appointments and buyer consults, and every time they do, your brand is in front of them. Pair it with your closing cost calculator and mortgage payment calculator and your site becomes their default.
It totals the real cost of each path over the time frame you enter — for buying: down payment, closing costs, mortgage, taxes, insurance, and upkeep, minus your home equity after selling; for renting: rising rent minus the investment growth on the money you didn't put down. Whichever ends lower “wins.”
On the buy side: down payment, closing costs, mortgage interest, property taxes, insurance, maintenance and the opportunity cost of the cash. On the rent side: rent, expected increases, and renter's insurance.
It depends on closing costs, appreciation and the rent you would otherwise pay, but transaction costs on both ends mean short holding periods usually favor renting.
Because it reaches people months before they have chosen an agent or a lender, which is the earliest point a title agency can enter the transaction.
On your live site the calculator carries your colors, logo, and contact info — so every agent and client who runs the numbers is looking at your brand.
Somebody running rent-versus-buy has not chosen an agent, a lender or a title company. It is the earliest point in the transaction where a title agency can be present, and almost none are.
A calculator that accounts for closing costs, maintenance, taxes, insurance and the opportunity cost of the down payment sometimes concludes that renting wins. That honesty is why people trust the result and share it.
It brings consumers onto the site months before a closing, and it is the page most likely to be linked to by a local blog or shared by an agent — which is worth more than the traffic itself.
Small changes to an assumed appreciation rate swing the break-even by years. An honest calculator shows the assumption and lets it be changed rather than burying an optimistic default that guarantees buying wins.
A rule of thumb of one to two percent of value annually for maintenance and capital replacement is not conservative, it is realistic — and leaving it out is the single most common way these calculators are rigged toward buying.
Agents, lenders, buyers and sellers submit everything online, and each submission returns to the agency as a completed PDF ready for the file — no email tag, no retyping. Branded to the agency and mobile-friendly. These six are the most used of the eleven we build.
Clients upload a signed purchase contract and any addenda — you open the file and start title work right away.
Open form →Buyers complete intake online and you receive it as a PDF — or they download it to fill out by hand.
Open form →Sellers complete intake online and you receive a PDF — or download it to complete on paper.
Open form →Sellers and refinancers e-sign to authorize a payoff request — so net sheets are accurate and prior liens clear at closing.
Open form →Agents and lenders open a new file in one step — property, parties, lender, and closing date. No back-and-forth emails.
Open form →Clients upload IDs, payoffs, and sensitive documents through an encrypted portal.
Open form →No setup fee, no long-term contract, 60-day money-back guarantee. Full plan comparison →