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Rent-to-Own Rights

Have I paid enough to own it?

Use this calculator to see how much you have paid on a rent-to-own agreement for furniture, appliances, and electronics, how far that gets you toward owning the item, and what it would cost to finish. Everything runs in your browser — nothing you type is sent or saved.

How far have you paid toward owning it? Made every payment Partway there Past about 60% paid (some states) You own it. Buy it early for less — often the cash price minus a credit for what you've paid. Extra rights, like a longer reinstatement window.
Where you stand toward ownership. The exact rules vary by state.

What "paid enough to own it" actually means

With rent-to-own, you usually do not own the item until you have made every scheduled payment (or used an early-purchase option). Because the total of all payments is often far more than the item's cash price, it is common to pay more than the item is worth well before you own it.

Some states give you extra rights once you have paid a certain share of the agreement — for example, a longer window to get the item back after you fall behind. This calculator shows where you stand; your state guide explains the rules that apply to you.

This tool is general information, not legal or financial advice, and the figures are estimates based on what you enter. Check your own contract for the exact numbers, and for your situation consider speaking with a licensed attorney or a local legal-aid office.