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── Calculator / 01
Opportunity Cost
"Renting is throwing money away." Run the math. Compare buying against renting and investing the down payment + the monthly difference.
── Inputs
── Result
> If you buy
Home value at year
30
$1,019,450
Down payment paid
$84,000
> If you rent + invest the difference
Down payment invested
$84,000 → 8.0%/yr × 30yr
$845,263
Monthly difference invested
$1,400/mo × 360mo
$1,971,971
Total portfolio
$2,817,234
── Verdict
Rent + invest wins by $1,797,784
Your numbers move this a lot. Try changing home appreciation, stock return, or the monthly difference.
Assumptions:
- Mortgage paid off at end of horizon.
- Maintenance, taxes, insurance bundled into monthly all-in.
- No transaction costs (selling = ~6% in real life).
- Rent stays flat (real life: rent + income rise with inflation).
Directional, not financial advice. Run YOUR numbers.