FINANCIAL MODELING TOOL

Rent vs. Buy Calculator

Run 2,000 Monte Carlo simulations to find your breakeven year

Running 2,000 simulations...
Breakeven Year
50% of scenarios favor buying by this year
Buy Wins at Year 10
probability buying is better after 10 years
30-Year Advantage
median net worth difference at year 30

Net Worth Advantage of Buying Over Time

Shaded bands show the range of 2,000 simulation outcomes

Probability That Buying Wins

Percentage of simulations where buying beats renting at each milestone

Year Mortgage Balance Home Value Home Equity Cumulative Rent Renter Portfolio Net Advantage