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 of the four pro 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, short-term rental ROI, and condo stress testing. 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.

Condo Stress Test

New

Rising dues, insurance growth, and special-assessment shocks, year by year.

Browse the premium hub

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

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

All four pro calculators, forever

Mortgage Calculator Pro, the Refinance Strategy Lab, the Short-Term Rental ROI Planner, and the Condo Stress Test — 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.

Secure checkout via Stripe.

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