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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Compare Scenarios

Interactive Charts

Informed Decisions

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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

Current Location

Projection Years

Number of years to project scenario.

Renting Scenario

Monthly Rent

Annual Rent Increase (%)

Enter 3.5 for 3.5%.

Annual Renter's Insurance ($)

Buying Scenario

Home Price

Down Payment (%)

Enter 10 for 10%.

Closing Costs ($)

Estimated one-time costs.

Mortgage Interest Rate (Annual %)

Enter 6.375 for 6.375%.

Mortgage Term (Years)

Typical fixed mortgage terms are 15 or 30 years.

Property Tax Rate (Annual %)

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

Annual Home Insurance ($)

Monthly HOA Fees ($)

Enter 0 if no HOA applies.

Annual Maintenance (% of Home Value)

Enter 1 for 1%.

Home Appreciation Rate (Annual %)

Enter 4 for 4%.

Selling Costs at Exit (%)

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

Investment Settings (for Renting Scenario)

Investment Return Rate (%) 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 1

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 2

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

Both tools. Every assumption editable. PDF and Excel exports.

Secure Stripe checkout.

Go Deeper

More than buy vs. rent

A pro-grade mortgage tool that's free for everyone — and a single $45 unlock for the investor calculators.

Free Tool

Mortgage Calculator Pro

A full mortgage workbench — free forever, no account needed.

Full amortization schedule

Every payment split into principal and interest, for the life of the loan.

Extra-payment scenarios

See exactly how many years and dollars of interest an extra payment removes.

The real monthly payment

PMI, property taxes, and insurance included — not just principal and interest.

Open Calculator Pro — free

No signup, no payment. It runs right in your browser.

$45 · One-Time

Two premium calculators, one payment

Unlock pro-grade refinance and short-term rental ROI workflows with exportable reports.

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.

Investor-Ready Exports

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

Secure checkout via Stripe.

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