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.

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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 6.375 for 6.375%.

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%.

Agent commissions + seller closing costs deducted from home value in the net-worth projection. Enter 0 to ignore.

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.

The Premium Tools — Live

These charts are the real tools, running a sample scenario

Not screenshots — the same math the paid calculators run, computed on this page right now.

Premium Tool — Live Demo

Refinance Strategy Lab

This chart is the real tool running a sample loan — $450,000 at 7.25% refinanced into 6.375%. The live version lets you change every assumption, add extra payments, and export lender-ready reports.

$294

lower payment / month

1.4 yrs

to break even

$27,918

lifetime savings

Loan balance over time — current vs refinanced

Monthly cash flow vs occupancy — where a rental actually breaks even

Premium Tool — Live Demo

Short-Term Rental ROI Planner

A $550,000 vacation rental with $275 peak / $175 off-season nightly rates. The red line is the truth most listings hide: below it, the property loses money every month. The live tool models seasonality, cleaning economics, financing, and break-even for any property you're considering.

81.6%

break-even occupancy

-$1,171

net / month at 62%

-11.1%

cash-on-cash return

Two premium calculators, running live. Every assumption editable. PDF and Excel exports.

Secure Stripe checkout.

Go Deeper

More than buy vs. rent

One unlock covers the whole toolkit: advanced mortgage modeling, refinance strategy, and short-term rental ROI. The buy-vs-rent simulator above stays free.

The Pro Calculators
Four gated tools, one unlock
Each one answers a question the free simulator can't.

Mortgage Calculator Pro

Any loan structure — fixed, ARM, or balloon — with prepayment plans, plus what an early payoff really costs if your loan has a penalty.

Refinance Strategy Lab

Current versus proposed terms, closing costs, and break-even timing before you lock a rate.

Short-Term Rental ROI Planner

Seasonal pricing, occupancy, and operating costs — NOI and cash-on-cash returns.

Browse the premium hub

Every tool above is part of the same one-time unlock.

$45 · One-Time
Three premium calculators, one payment
Unlock pro-grade mortgage, refinance, and short-term rental workflows with exportable reports.

All three pro calculators, forever

Mortgage Calculator Pro, the Refinance Strategy Lab, and the Short-Term Rental ROI Planner — one unlock opens them all.

Investor-Ready Exports

Download polished PDF and Excel reports with amortization schedules and both net-worth projections.

No subscription

Pay $45 once. Nothing renews, nothing to cancel.

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