Workflow W4 Own vs · Rent

Buy vs. Rent Decision

Compare the true cost of buying versus renting over time.

What this workflow does

It screens both paths, then guides you through Mortgage Affordability → Rent vs. Buy — sizing your true monthly cost of ownership, then simulating buying against renting-and-investing over your time horizon to find the break-even year.

Who this is for

First-time homebuyers
Weighing ownership against continued renting.
Renters
Considering whether now is the time to purchase.
Financial planners
Advising clients on a housing decision.

The calculator chain

Each calculator produces a key output — here's the path, start to finish.

Step 1
Mortgage Affordability
Produces monthly payment & ratio
Learn more →
Step 2
Rent vs. Buy
Produces break-even & net advantage
Learn more →

What you'll get

By the end, you'll have every number you need to make the call.

Total Monthly PaymentPITI to own
Housing Cost RatioFront-end
Back-End DTIAll debts
Total Cost of BuyingOver hold
Total Cost of RentingOver hold
Break-Even YearWhen buying wins
Net AdvantageBuy minus rent

Ready to run a deal?

Start with the quick screener — you'll have an instant read in under a minute.

Start Workflow