The Math Behind Your Biggest Financial Decision
Should you rent or buy? Our Monte Carlo simulator runs 10,000 scenarios with your actual numbers -- home price, rent, mortgage rate, taxes, and investment alternatives. NPV breakeven analysis tells you exactly when buying pays off. Powered by FHFA, Census, and BLS data.
Free to start. No signup required. Data from FHFA, Census ACS, BLS, and HUD.
Every Variable That Matters, Modeled
Online calculators give you one number. We give you 10,000 scenarios with probability distributions, sensitivity analysis, and tax-adjusted NPV -- the same modeling framework used by real estate investment firms.
Monte Carlo Simulation
10,000 scenarios model home appreciation, rent escalation, mortgage rates, maintenance costs, and investment returns simultaneously. Not a single estimate -- a probability distribution.
NPV Breakeven Calculator
Discounted cash flow comparison of cumulative renting vs. buying costs over 1-30 year horizons. Find the exact month where buying becomes cheaper than renting.
Tax Impact Modeling
Mortgage interest deduction, SALT cap ($10K), standard vs. itemized comparison, and capital gains exclusion ($250K/$500K) at sale. See the real after-tax cost of ownership.
Opportunity Cost Analysis
What would your down payment earn if invested in index funds? Model historical S&P 500 return distributions against home equity growth to see the true cost of capital lockup.
Sensitivity Analysis
Tornado charts show which variable has the largest impact on your rent vs. buy answer. Time horizon, appreciation rate, and mortgage rate -- see what actually moves the needle.
Location-Specific Data
Metro-specific home appreciation from FHFA HPI, local rent growth from BLS CPI, county property tax rates from Census ACS, and Fair Market Rents from HUD. Your market, your numbers.
How It Works
Enter Your Scenario
Monthly rent, target home price, down payment, mortgage rate, time horizon, income, and ZIP code. Takes about 3 minutes.
We Run the Math
Monte Carlo simulation, NPV breakeven, tax impact modeling, opportunity cost analysis, and sensitivity testing -- all computed in seconds.
See Your Breakeven Point
Exact month where buying beats renting at 50%, 75%, and 90% confidence. Sensitivity charts, cost breakdowns, and a downloadable PDF report.
Powered by Federal Housing Data
Ready to Know If You Should Rent or Buy?
Enter your scenario and get a complete analysis in minutes. Monte Carlo confidence intervals, NPV breakeven, tax impact modeling, and opportunity cost analysis -- all in one report.
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