Give your readers the most accurate rent vs buy calculator available — free, no API key, one line of code. Works on any site. Updated for 2026 tax laws.
<iframe src="https://smartrentorbuy.com/widget" width="100%" height="700" frameborder="0" scrolling="no" title="Rent vs Buy Calculator" style="border-radius:12px;box-shadow:0 4px 24px rgba(0,0,0,0.10);" ></iframe>
Mortgage rates, property taxes, HOA fees, maintenance, opportunity cost, tax deductions, and more — all calculated automatically.
The only free calculator that correctly applies the $750K mortgage interest deduction cap from the Tax Cuts and Jobs Act.
We update the calculator whenever tax laws or market conditions change. Your embed always shows the latest version automatically.
Works perfectly on phones, tablets, and desktops. No extra configuration needed.
The embedded calculator is clean and ad-free. Your readers get a distraction-free experience.
Use it freely on any site. A link back to SmartRentOrBuy.com is appreciated and helps us keep it free — but it's never required.
The rent vs buy decision is one of the most financially consequential choices your readers will ever make. Most calculators on the market ignore opportunity cost, apply the mortgage interest deduction incorrectly, or use national averages instead of local data.
This calculator uses real median home prices and rent data for 500+ US cities, correctly models the $750K TCJA deduction cap, and factors in the full opportunity cost of a down payment. It's the tool we'd want our own families to use.
If you embed or link to the calculator, we'd love to know — reach out and we'll share your site with our audience.
Yes, completely free. No API key, no account required. Copy the code and paste it anywhere. A link back to SmartRentOrBuy.com is appreciated — it helps us keep the calculator free and updated — but it's never mandatory.
No. The calculator loads inside an iframe from our servers — it has no impact on your page load time or Core Web Vitals scores.
You can adjust the width and height attributes in the embed code. The calculator is responsive and will adapt to the container width you set.
Updates are automatic. Since the calculator is served from our servers, your embed always shows the latest version — including 2026 tax law changes — without any action on your part.
Not currently. The standard embed is the only option available. If you have a specific need, reach out through the Contact page.
The calculator models 59+ factors including mortgage principal and interest, property taxes, homeowner's insurance, HOA fees, maintenance costs, opportunity cost of down payment, mortgage interest tax deduction (correctly capped at $750K per the Tax Cuts and Jobs Act), capital gains exclusion, and local appreciation rates for 500+ US cities.
Used by real estate and personal finance sites to help readers make better housing decisions. Free, always up to date, and takes 30 seconds to add.