Rent vs Buy
Given the same capital, should you buy a home or rent and invest the down payment? This tool compares net wealth after N years, accounting for mortgage interest, property appreciation, rent growth, holding costs, and investment opportunity cost.
Inputs cover both sides: house price, down payment %, mortgage rate, holding cost %, price growth assumption on the buy side; monthly rent, rent growth, investment return on the rent side.
Excluded (for simplicity): transaction taxes and fees (deed tax, broker fees, land value tax), depreciation/maintenance variance, lifestyle flexibility value. Adjust the holding cost % to reflect your expected real costs.