Buy
$263,283
Net Sale Proceeds: $263,283
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Net Worth, Mortgage & Investment Tradeoff
Net Worth Advantage
Renting wins · over 10 years
Decision Summary
Buy
$263,283
Net Sale Proceeds: $263,283
Rent
$338,853
Renter Investment Value: $338,853
Cash Needed to Buy
$103,500
Monthly P&I: $2,275
Initial Monthly Gap
+$1,272
Renting starts cheaper
Break-even Year
Not reached
First year buying net worth catches renting
Final Net Worth Comparison
Net Worth Timeline
Decision Summary
Buying Breakdown
Renting & Investing
Drop in a paystub, bank statement or screenshot — the AI reads it and fills these fields for you.
Budget Tracker is where this stops being a one-off number: keep your real balances there and the projection updates itself.
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Rent vs buy decisions hinge on transaction costs, time horizon, mortgage terms, rent growth, property appreciation and the return you could earn by investing cash instead. Use this model as a planning lens, then validate local costs with lenders, agents and resources like CFPB and Fannie Mae.
Short holding periods often punish buying because closing and selling costs have little time to amortize.
A renter can invest upfront cash and monthly savings, while a buyer builds principal and home equity.
Change appreciation, rent inflation, maintenance and investment return before trusting a single verdict.
The better option is not always the cheaper monthly payment; it is the path that leaves you with more net worth after realistic holding costs.