Model your total after-tax wealth across both paths — maintenance, time, taxes, investing, and every hidden cost. Then get a personalized AI-written analysis specific to your situation. Real numbers before you make the biggest financial decision of your life.
Five quick questions about your goals, timeline, and priorities. Your answers personalize the AI Summary and help frame the numbers in the context of your actual life.
After running your numbers, get a plain-English written analysis from Claude AI — personalized to your situation, with specific watch-outs and next steps. Adjust tone, focus, and length.
Side-by-side net worth after taxes for both paths over your full time horizon. Models capital gains exclusion, Roth vs. Traditional vs. taxable portfolio splits, and your tax bracket.
Mortgage P&I, property tax (% or $ mode), insurance, PMI, and HOA — every component shown. Add maintenance, time value of ownership, closing costs, and selling costs for the real number.
Drag appreciation, investment return, and time horizon sliders to instantly see how the verdict shifts. Explore scenarios without changing your saved inputs.
Auto-calculated PTR with color-coded zones and a 60-metro reference grid. Instantly see whether your market leans toward buying or renting compared to national benchmarks.
Visual timeline showing the exact year buying surpasses renting in wealth. Critical for anyone who might move in under 10 years — the most overlooked factor in the rent vs. buy decision.
Every input encoded in the URL — share your exact scenario with a partner, advisor, or agent. Bookmark it to return to your numbers later. No account required.
Send a formatted summary of your analysis to your inbox. Includes your scenario snapshot, key numbers, and a link to reopen your exact inputs. Plus a personal follow-up from our team.
Tell us your situation — timeline, priorities, and what's holding you back. Takes 30 seconds and personalizes everything that follows, including the AI analysis.
Rent, home price, down payment, rate, taxes, HOA, and how much you'd actually invest. Every field has a tooltip. Results update live as you type.
How long are you comparing? Adjust appreciation, investment return, and tax assumptions. Use the What-If sliders to explore scenarios instantly.
The Live Scorecard shows after-tax net worth, break-even year, true monthly cost, and a plain-English verdict — all updating in real time.
One click generates a personalized written analysis from Claude AI — specific to your numbers and situation profile. Copy or print a branded PDF to share with your partner or advisor.
Use the 🔗 Share button to encode your entire scenario in a URL — bookmark it, text it to a partner, or email it to an agent. No account needed.
User Manual, Glossary, Terms of Service, and Privacy Policy — everything you need in one place.
Field-by-field guide to all seven tabs including the new Situation Questionnaire and AI Summary. Covers Tax Analysis, portfolio allocation, primary residence CGE, and the net worth trajectory chart.
Plain-English definitions for every abbreviation — P&I, PITI, PMI, MID, HOA, CGE, LTCG, SALT, MFJ, TCJA, IRA, 401k, and 25+ more — with the 2024 federal tax bracket and capital gains rate tables.
Covers permitted use, the educational-only nature of this tool, no financial advice disclaimer, limitation of liability, intellectual property, and governing law (State of New Hampshire). Effective April 10, 2026.
Explains what data we collect, how email and preferences are used for personalized market analysis, and your rights. Your calculator inputs never leave your browser. We do not sell your information. Effective April 10, 2026.
Prefer to read in-app? The covers the calculator documentation inside the app.