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Free tool · Own vs rent

When does ownership beat the monthly rent?

Plug in loaded rent, a build band, and run-rate. See break-even and the multi-year gap — then decide with eyes open.

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Own vs rent

Own vs rent TCO comparator

Enter what you pay to rent the stack each month, a build quote band, and run-rate. See break-even month and the multi-year gap. Email the sketch if you want a copy.

Break-even sketch

Break-even

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3-year rent$0
3-year owned$0

Gap (rent − owned): $0· Monthly rent vs own delta: $0

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Note: Ignores financing, tax, and migration risk. Pair withstack cost andagency TCO.

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