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Rent vs Buy Calculator

Rent vs Buy Calculator (Alberta)

Compare monthly costs and long-term net worth — including an estimated CMHC premium (if applicable).

AMS

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Rent Inputs

Current Monthly Rent ($) Annual Rent Increase (%) Renter’s Insurance (monthly $) Rent Utilities Difference (monthly $) If renting is cheaper for utilities vs owning, enter a negative number.

Buy Inputs

Home Price ($) Down Payment ($) Mortgage Rate (%) Use your expected average rate (estimate). Amortization (years) Estimate CMHC premium (if down payment < 20%) Roll CMHC premium into mortgage (common) 30-year insured eligible (e.g., FTHB / new build / qualifying program)

Surcharge only applies when amortization is 30 years, down payment < 20%, and this toggle is ON.

Property Tax (monthly $) Home Insurance (monthly $) Condo Fees (monthly $) Maintenance (% of home price per year) Typical range: 1%–3% depending on age/condition. Closing Costs ($) Legal, inspection, appraisal, adjustments, etc.

Assumptions

Time Horizon (years) Home Appreciation (% per year) Investment Return (% per year) If you rent, invest the down payment + monthly savings. Selling Costs (% of home value at sale)

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Disclosure: Estimates only (not financial, tax, or legal advice). CMHC premiums shown are simplified estimates and may vary based on eligibility and lender policy. Alberta Mortgage Solution provides mortgage brokerage services in Alberta. Always confirm final numbers with your lender and professional advisors.