How To Use
- Enter horizon, rent assumptions, and buy assumptions.
- Adjust advanced settings (appreciation, selling cost, investment return) if needed.
- Review net-worth difference, break-even timing, and yearly trend.
This model does not include tax credits or security-deposit refunds in this version.
Inputs
Summary
Yearly trend chart
X-axis: elapsed years / Y-axis: net worth or net worth difference (currency)
Yearly table
| Year | Buyer net worth | Renter net worth | Diff (Buy - Rent) |
|---|
FAQ
Does this include changing interest rates?
This version assumes a fixed mortgage rate during the horizon.
Are tax credits included?
No. Mortgage tax incentives are excluded in this version.
What if invest difference is off?
Opportunity-cost investing is disabled, so cash differences are not compounded.
Why can break-even be unavailable?
If net-worth difference does not cross zero within the horizon, break-even is not reached.
Is this a definitive recommendation?
No. It is a scenario model based on your assumptions.