Rent vs. Buy
Compare modeled equity and portfolio paths under explicit assumptions. Actual costs, returns and risks can differ materially.
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The 5% Rule & Opportunity Cost
A scenario can compare more than monthly rent and mortgage payment by including modeled Unrecoverable Costs:
- Rent: 100% unrecoverable.
- Owning: Mortgage Interest, Property Tax, Maintenance, and Cost of Capital (Opportunity Cost).
The calculator runs a 30-year illustration. Home growth, rent growth and portfolio return are adjustable; 20% down and 6.5% mortgage interest remain fixed in this version. The crossover is only the intersection produced by the entered assumptions.