Terms of Use

Last updated October 2, 2026

These terms apply to your use of rentorbuycalc.app (the "site"), operated by RentOrBuyCalc ("we", "us"). By using the site, you agree to them. If you don't agree, please don't use the site.

Not financial advice

The calculator is provided for general educational and informational purposes only. It is not financial, investment, tax, legal, accounting or real estate advice, and it is not a recommendation to buy, sell, rent or finance any property or to buy or sell any security. Using it does not create an advisory, fiduciary or client relationship.

All results are hypothetical. They are based on historical market data, simplified tax rules and the assumptions you enter, and they do not reflect your full financial situation. Past performance does not guarantee future results; actual returns, home prices, interest rates, taxes and costs will differ, possibly by a large amount. Tax calculations are simplified estimates of federal rules and may not reflect current law or your circumstances. Before making any financial decision, consult a qualified, licensed professional who can review your specific situation.

Data and accuracy

Data comes from third-party and government sources and is provided "as is." We try to keep it accurate and current, but we don't guarantee that it is complete, accurate or up to date. The methodology page describes the sources and the model's simplifications.

Using the site

You may use the site for your own personal, non-commercial purposes, and you're welcome to share links to it and to your results. Please don't:

• use the site in a way that breaks the law or harms others;
• try to disrupt, overload or gain unauthorized access to the site or its systems;
• use automated tools to scrape the site or send large volumes of requests;
• use the contact form to send spam or abusive messages;
• present the site's results as your own professional advice, or imply that we endorse you or your business.

Intellectual property

The site's design, text, code and graphics, and the RentOrBuyCalc name and logo, belong to us. Underlying public data remains subject to its providers' terms. S&P 500 is a trademark of S&P Dow Jones Indices LLC. FHFA House Price Index is a trademark of the Federal Housing Finance Agency. The site is not affiliated with, sponsored by or endorsed by S&P Dow Jones Indices, FHFA, Freddie Mac, the U.S. Census Bureau or Robert Shiller.

Links to other sites

The site may link to other websites. We aren't responsible for their content or practices.

No warranty

The site and everything on it are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability or fitness for a particular purpose. We don't promise that the site will always be available or free of errors.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, the site, the calculator or its results, including any financial decision you make. Some places don't allow certain limitations of liability, so parts of this section may not apply to you.

Changes

We may update the site and these terms from time to time. When we change the terms, we'll update the date at the top of this page. Continuing to use the site after a change means you accept the updated terms.

Contact

Questions about these terms? Reach us through the contact page.