What the math assumes
This is a simplified scenario, not a home-price forecast or purchase recommendation.
Housing comparison
Rent-vs-Buy Scenario Calculator
Compare simplified cumulative renting and buying costs over a chosen time horizon with transparent assumptions.
Private by design: your entries stay in your browser and are not submitted to MoneyPathTools.
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Enter a scenario
Example values are included and clearly labeled. Replace them with your own current figures.
Understand the estimate
Assumptions and limits
Change one input at a time, record the assumption, and compare several scenarios.
What the result leaves out
Ownership cost includes down payment, mortgage payments, taxes, insurance, maintenance, and modeled transaction costs, less modeled equity.
A useful next step
It excludes utilities, association dues, tax deductions, opportunity cost of cash, repairs beyond the maintenance assumption, and financing details such as mortgage insurance.
Frequently asked questions
Why is the down payment counted and equity subtracted?
The model treats the down payment as cash paid into the home, then recognizes modeled equity when estimating net cost at sale.
Does a lower result mean I should choose it?
No. Location, flexibility, risk, maintenance responsibility, and life plans are not captured by one cost total.
Where should I verify loan costs?
Compare official Loan Estimates from lenders and use current property-tax, insurance, and association figures.
Official sources and important limits
This calculator provides educational estimates only. It is not financial, tax, legal, credit, real-estate, or investment advice.
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