A premium decision dashboard for modern home planning
Built for serious buyers, renters, and advisors who want a clear, elegant view of housing cash flow over time.
Property Analyzer
Rent vs Buy Property Analyzer
Compare the real long-term cost of buying versus renting with taxes, appreciation, insurance, investment return, and an instant break-even point.
Input Panel
Home Purchase
Home Rent
Your Information
Results Dashboard
Instant comparative outcome
Live
Break-even guidance
Buying is cheaper if you stay for 15.0 years or longer
Selected filing status: Single
Federal + state: 27.0%
Monthly buy cost
$4,944
Monthly rent cost
$3,820
Loan amount
$680,000
Estimated tax shield
$1,130
Down payment: $170,000
Closing costs: $23,800
30-year equity: $1,705,775
Visual comparison
Average cumulative cost over time, updated instantly as values change.
Modern property strategy with real-world context
Real imagery helps anchor the analysis in practical financial planning, not just abstract math.
1–30 year detailed comparison
| Year | Buy total | Rent total | Difference | Equity |
|---|---|---|---|---|
| 1 | $252,909 | $55,330 | $197,579 | $199,750 |
| 2 | $311,198 | $105,006 | $103,096 | $230,541 |
| 3 | $368,616 | $156,710 | $70,635 | $262,410 |
| 4 | $425,105 | $210,526 | $53,645 | $295,395 |
| 5 | $480,537 | $266,553 | $42,797 | $329,533 |
| 6 | $534,709 | $324,902 | $34,968 | $364,867 |
| 7 | $587,401 | $385,693 | $28,815 | $401,437 |
| 8 | $638,372 | $449,050 | $23,665 | $439,288 |
| 9 | $687,361 | $515,104 | $19,140 | $478,463 |
| 10 | $734,083 | $583,994 | $15,009 | $519,009 |
| 11 | $778,228 | $655,868 | $11,124 | $560,974 |
| 12 | $819,460 | $730,878 | $7,382 | $604,408 |
| 13 | $857,414 | $809,187 | $3,710 | $649,363 |
| 14 | $891,694 | $890,969 | $52 | $695,890 |
| 15 | $921,873 | $976,402 | -$3,635 | $744,047 |
| 16 | $947,485 | $1,065,679 | -$7,387 | $793,888 |
| 17 | $968,028 | $1,159,001 | -$11,234 | $845,474 |
| 18 | $982,961 | $1,256,582 | -$15,201 | $898,866 |
| 19 | $991,695 | $1,358,645 | -$19,313 | $954,126 |
| 20 | $993,598 | $1,465,427 | -$23,591 | $1,011,321 |
| 21 | $987,984 | $1,577,180 | -$28,057 | $1,070,517 |
| 22 | $974,116 | $1,694,168 | -$32,730 | $1,131,785 |
| 23 | $951,197 | $1,816,670 | -$37,629 | $1,195,197 |
| 24 | $918,369 | $1,944,981 | -$42,776 | $1,260,829 |
| 25 | $874,707 | $2,079,413 | -$48,188 | $1,328,758 |
| 26 | $819,213 | $2,220,295 | -$53,888 | $1,399,065 |
| 27 | $750,816 | $2,367,975 | -$59,895 | $1,471,832 |
| 28 | $668,361 | $2,522,821 | -$66,231 | $1,547,146 |
| 29 | $570,604 | $2,685,221 | -$72,918 | $1,625,096 |
| 30 | $456,211 | $2,855,587 | -$79,979 | $1,705,775 |
Key insights
Buying includes appreciation, tax effects, and ownership costs
Ownership is modeled with closing costs, taxes, insurance, HOA, maintenance, and mortgage amortization. The model also factors in equity growth from appreciation.
Renting includes rising rent and insurance
Renting is modeled with annual rent growth, renter’s insurance, and a deposit. The saved capital can be invested at your chosen average return.
Break-even is fully reactive
Change any input and the cross-over point updates immediately, making this suitable for high-level decision-making and client presentations.
SEO-ready and image-rich
The page is built with semantic structure, metadata, structured data, and optimized real photography for a premium web application feel.