Build Your Down Payment
    Just by Paying Rent

    Accrue 10% of your rent every month toward your future home. It's automatic, free to use, and always in your favor.

    Automatically earn 10% of your rent as home savings
    Free to use, with no risk or hidden fees
    Access members-only listings to use your savings toward a future home
    Home with 7% down payment
    Home with 10% down payment
    Home with 5% down payment

    7% Down Payment

    $70,000

    Accrue: $20,000
    You: $50,000

    How It Works

    You're already paying rent. Here's how Accrue helps you turn that into progress toward owning a home.

    Sign Up For Free

    Create your account in seconds and start earning savings toward a future home just by renting.

    Report Your Rent

    Let us know what you pay each month and we'll calculate your monthly savings automatically.

    Watch Your Savings Grow

    Earn 10% of your rent as savings every month, with simple ways to boost your total through referrals and bonuses.

    Find Your Dream Home

    Use your savings to reduce the upfront cost of buying a home from our exclusive listings.

    Preview Homes Available Through Accrue

    Get a taste of the quality homes available in our marketplace. When you're ready to buy, your Accrue savings can be applied toward any home in our inventory.

    Why Renters Are Choosing Accrue

    Accrue helps renters turn monthly rent into future buying power. No pressure, no catch. Here's what some of our members are saying.

    Greg

    San Francisco, CA

    "I thought I'd be renting forever. But with Accrue, I'm finally building real liquidity toward a future home just by paying rent like I always have."

    Annie

    San Mateo, CA

    "I'm not even sure if I'll buy a place, but Accrue makes rent feel like a smarter move. There's no downside, and it's nice knowing I have more options later."

    Spencer

    Seattle, WA

    "Accrue showed me homes with real incentives tied to my rent. It completely changed how I think about buying one day."

    Still Have Questions?

    Here's what renters ask most — and how Accrue works behind the scenes.

    Each month, 10% of your reported rent is credited to your Accrue account as savings toward a future home purchase. This credit adds up over time and can be used as part of your down payment when you buy a home through Accrue. You can increase your rate to as much as 30% by referring friends.

    No. Accrue doesn't affect your lease, landlord, or payment method. You just earn value on top of what you're already doing.

    Your credits can be applied toward homes in the Accrue marketplace. Sign up to see what's available near you.

    No, signing up for Accrue is completely free. There is no catch. We only make money when you successfully purchase a home through our platform.

    No, Accrue is not your real estate agent. We connect you directly with trusted developers and sellers in our network, helping you access quality homes and exclusive incentives.

    Your accrued savings remain available for up to two years after you stop renting. During that time, you can still use them toward buying a home through Accrue. If you decide not to buy, there is no penalty. The savings simply expire after that period.

    Accrue savings can only be applied to homes listed on our platform. We partner with trusted sellers and developers to offer quality homes, often with exclusive incentives that are not available elsewhere.

    Rent payments are reported through your account each month. We are streamlining this process behind the scenes to keep it simple for you and secure as we grow.

    That is excellent. You can combine your Accrue savings with your existing savings to increase your down payment. This may help you qualify for better mortgage terms or lower your monthly payments.

    There really is no catch. Accrue is free to use, and there is no obligation to buy. If and when you are ready to purchase a home, we help you unlock real savings just for paying rent.

    Still have questions? Email us anytime at [email protected] — we're happy to help.

    Ready to Start Building Your Down Payment?

    Join thousands of renters who are turning their monthly housing payments into a path to homeownership.

    Illustration of renter's journey from apartment to home