Property Affordability
Compare modeled renting and buying wealth outcomes using explicit assumptions.
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FinTrex result
Rent vs Buy Calculator
Modeled wealth difference: buy minus rent
$100,753
Estimated buyer net wealth
$338,634
Estimated renter net wealth
$237,882
Projection over time
Period 0 to 10
Peak $100,753
What changes this most?
Mortgage rate, home-price growth, rent growth, and the opportunity cost of the deposit are the biggest drivers in this comparison.
Sensitivity check
A roughly 10% move in current monthly rent changes the modeled headline result by up to $33,502 in this setup.
A positive figure favours buying under these entered assumptions; a negative figure favours renting. The model deliberately excludes purchase/sale taxes and fees, insurance, utilities, and other location-specific costs, so add those separately before making a real decision.
Use the number fields, sliders, or a quick preset. You can fully clear a field while editing.
Milestones
Milestones make the final figure easier to evaluate and help you spot when the curve changes most.
Period 3
$23,704
Period 5
$42,306
Period 8
$75,121
Period 10
$100,753
Formula
Renting and buying are compared as two net-wealth paths using the same monthly housing budget logic, home equity, an explicit mortgage term, and investment of whichever path has the lower monthly housing cost.
Adjust one assumption at a time to understand which inputs have the greatest effect. Compare several realistic scenarios rather than relying on a single projection.
Default assumptions are maintained by FinTrex and may not reflect current products or rates available to you. Review every input before using the estimate.
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