RentVsBuy
Home Wealth & Mortgage Math
Coming soon to the App Store
Compare renting vs buying down to the exact breakeven month with interactive net-worth curves, closing-cost breakdowns, and investment opportunity modeling.
About RentVsBuy
Everyone at the dinner table has a passionate opinion on whether renting is throwing money away, yet almost nobody runs the real numbers.
EquityPath: Rent vs Buy strips away housing clichés and replaces them with transparent, side-by-side wealth modeling. In seconds, you see how mortgage amortization, home appreciation, maintenance, property taxes, and invested down-payment returns actually stack up over your exact timeline.
True Unrecoverable Cost Modeling
Look past simple monthly payment comparisons by factoring in closing costs, selling fees, HOA dues, maintenance reserves, property tax deductions, and rent growth.
Invested Opportunity Cost Engine
Model what happens when a renter invests their down payment and monthly cash-flow difference into a diversified portfolio alongside a homeowner building property equity.
Interactive Breakeven Timeline Slider
Slide across a thirty-year horizon to pinpoint the exact year and month where buying overtakes renting, or see why staying flexible wins for shorter chapters.
Year-by-Year Amortization & Equity Ledger
Inspect annual principal paydown, cumulative interest, home equity growth, and liquid investment balances in a clean visual ledger.
Side-by-Side Scenario Cards
Save and compare multiple real-world options, such as a downtown condo, a suburban fixer-upper, or renewing your current lease for two more years.
Who It Is For & How To Use It
Built for first-time homebuyers, relocating families, and analytical renters weighing their next move. Enter your local rent, target home price, mortgage rate, and expected stay length to see your net-worth trajectory immediately.
Why Smart Buyers Choose EquityPath
Lender calculators are designed to sell you the largest loan possible. EquityPath is designed to show you the honest math so you can make a six-figure decision with calm clarity. Download EquityPath today and run your real numbers.
Free to download with core features included. Optional Plus subscription or lifetime unlock adds unlimited saved property scenarios, advanced tax and appreciation sensitivity sliders, and full amortization exports. EquityPath is an educational financial modeling tool and is not financial, tax, or mortgage advice.
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