Calculators

Planning calculators you can run yourself. Share any scenario with your professional team.

Educational tool — not personal advice. These calculators use general assumptions to help think through trade-offs. Real numbers depend on a full financial picture, taxes, and goals.

Discovery Calculators

Run a private "what-if" — or share with your professional team to start a formal review.

Educational only. These calculators use general assumptions and don't account for your full tax, legal, or insurance picture. Use them to explore trade-offs, then share a scenario with your professional to turn it into a recommendation.

Compare 7-year cost of renting vs. owning.

Use the rent you pay today and a realistic home in your area. Don't forget mortgage rate and how much you expect the home to appreciate per year.

Owning isn't automatically the wealth move. We model 30 years with real tax-alpha (interest + SALT cap), PMI, opportunity cost on the down payment, and the capital-gains exclusion at sale.

Rental scenario

Monthly rent

Rent inflation

Renter's insurance / yr

Ownership scenario

Home price

Down payment

Mortgage rate

Property tax rate

Annual appreciation

Loan term (yrs)

Hidden costs

Maintenance (% of value)

Homeowners insurance / yr

Closing costs buying

Closing costs selling

Tax-alpha & opportunity cost

Marginal tax bracket

Married filing jointly (1=yes, 0=no)

Baseline portfolio return

Try as many scenarios as you want — nothing is shared by default.

Adjust your inputs above and click Run projection to see break-even year, 30-year wealth comparison, and tax-alpha.

Disclaimer: This calculator is for illustrative planning purposes only. Accuracy depends on user-provided variables (interest rates, appreciation, tax brackets). Results do not guarantee financial outcomes or loan approval. All home-buying decisions should be reviewed with your Financial Advisor and Tax Professional to confirm tax-deductibility and cash-flow impact. Accuracy of input is 100% the responsibility of the client.

Terminology

Plain-English explainers for every strategy.

Helpful Links

Vetted .gov and trusted starting points.