RooFork

Buy or Rent? Make the right choice.

Our interactive financial simulator helps you compare the long-term impact of buying versus renting a home. Input your details to get a personalized analysis and see how different factors can influence your financial future.

Try the Calculator Premium Features & Housing Insights
Compare Scenarios
Interactive Charts
Informed Decisions
Did you know?

The average American homeowner spends over $9,000 per year on hidden costs beyond their mortgage.

Investing the equivalent of a down payment in the S&P 500 has historically outperformed real estate in many markets.

Our calculator helps you see the full financial picture of this major life decision.

Let's build your next campaign.

Partner with RooFork to reach motivated buyers with premium placements and data-backed insights.

Start a Partnership

Financial Simulator

Input your financial details to generate a personalized buy vs. rent comparison report. Adjust the investment slider to see its impact on the renting scenario in real-time.

Your Financial Inputs
Provide your data to calculate the report.

General Information

Number of years to project scenario.

Renting Scenario

Enter 3.5 for 3.5%.

Buying Scenario

Enter 10 for 10%.

Estimated one-time costs.

Enter 6.8 for 6.8%.

Typical fixed mortgage terms are 15 or 30 years.

As % of home value. Enter 1.2 for 1.2%.

Enter 0 if no HOA applies.

Enter 1 for 1%.

Enter 4 for 4%.

Investment Settings (for Renting Scenario)

7.0%

Adjust to see how different annual investment returns impact the renting scenario on the chart. (e.g., S&P 500 historical avg. ~7-10.5%).

Submit the form to calculate your personalized financial report.

Comparisons, net worth projections, and mortgage details will appear here in tabs.

Premium Access

Unlock RooFork Premium

Access the refinance strategy lab, short-term rental ROI planner, and weekly housing intelligence. Cancel anytime.

$39/mo Membership
Two premium calculators, one membership
Unlock pro-grade refinance and short-term rental ROI workflows with exportable reports and newsletter access included.

Refinance Strategy Lab

Benchmark current versus proposed terms, factor in closing costs, and map break-even timing with amortization timelines.

Short-Term Rental ROI Planner

Blend nightly pricing, occupancy, and operating costs to track NOI, cash-on-cash returns, and payback windows.

Housing Insights Newsletter

Weekly premium market briefs included automatically—no separate subscription required.

Secure checkout via Stripe. Manage or cancel anytime from your dashboard.

$3.99/mo Newsletter
Housing Insights Newsletter
Weekly market intelligence for readers who want the signals faster. Included automatically with premium.
  • Weekly pulse on national and regional housing trends
  • Mortgage rate shifts decoded in plain language
  • Loan default, rent, and affordability signals summarized
  • Timing tips, interest rate outlooks, and market readiness checklists

Secure checkout handled by Stripe. Unsubscribe anytime.

Premium Feature Preview

See the Refinance Strategy Lab in action

We pre-loaded a sample scenario so you can glance at the charts, amortization checkpoints, and savings insights that premium subscribers unlock. The live tool lets you change every assumption, add prepayments, and export polished reports.

Premium Preview
Scenario: roll closing costs · 30-year refi
Refinance Strategy Lab Sneak Peek
Explore the simulated output from our default refinance scenario. The preview highlights how cumulative interest shifts under different payoff paths; the full calculator lets you adjust every assumption, add exports, and benchmark against live rates.

Monthly savings

$271

Lifetime savings

$23,715

Break-even

19 months

Current loan: 6.80% · $3,099 / month

Proposed refi: 6.00% · $2,828 / month

Cumulative interest snapshots

Previewing key checkpoints; the full tool provides month-by-month tables and exports.

MonthCurrent cumulative interest (minimum)Refi cumulative interest (minimum)Current cumulative interest (prepay)Refi cumulative interest (prepay)
Month 1$2,550$2,275$2,550$2,275
Month 12$30,429$27,148$30,391$27,114
Month 19$48,000$42,827$47,900$42,739
Month 36$90,088$80,389$89,707$80,055
Month 328$557,132$520,253$499,085$470,370

Want to plug in your own loan, rates, and prepayment plan? Premium members unlock full control plus PDF/Excel exports.

Explore the full calculator

Frequently Asked Questions