Last updated: September 2, 2026
Buy vs Rent Ledger runs entirely in your browser. There is no server-side account, no sign-up, and no database — nobody operating this site can see the numbers you enter or the results you get.
If you use the "Save current" feature, your inputs are stored using your browser's local storage, a standard web technology. This data stays on your device — it is never transmitted to us or to any server, and it is not visible to anyone else who opens this site, including on a different device or browser of your own. You can clear it at any time by clearing your browser's site data for this page, or by deleting the saved entries in the app itself.
This site may display ads served by Google AdSense. Google and its partners may use cookies and similar technologies to serve ads based on your visits to this and other sites. You can learn more about how Google uses this data and manage your ad preferences at:
We do not control the cookies set by Google or other ad partners and are not responsible for their content or practices.
This site is not directed at children under 13 and we do not knowingly collect information from children. If you believe a child has provided information through this site, contact us and we will address it.
We may update this policy from time to time. The "Last updated" date above reflects the most recent revision.
Questions about this policy can be sent to [your contact email].
Buy vs Rent Ledger is provided for general informational and educational purposes only. It is not financial, legal, tax, or investment advice, and it is not a substitute for consulting a qualified professional. Every calculation depends entirely on the assumptions you enter — actual outcomes for a real home purchase or rental will differ, often significantly, from any estimate this tool produces.
This site and its calculations are provided "as is," without warranty of any kind, express or implied, including but not limited to accuracy, completeness, or fitness for a particular purpose.
To the fullest extent permitted by law, we are not liable for any decisions made, or losses incurred, based on the use of this tool or reliance on its output.
You agree not to misuse this site — for example, by attempting to disrupt its operation or to access data belonging to other users.
We may update these terms at any time. Continued use of the site after changes constitutes acceptance of the updated terms.