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BROOMFIELD HOME FINANCE WORKSPACE

Two ways to live.
One honest comparison.

Compare housing cash flow, invested alternatives and sale equity year by year.

YOUR DECISION MAP
  1. 01Set your assumptions
  2. 02See the trade-offs
  3. 03Keep, compare or share

34 tools. One connected workspace.

● Private calculations in your browser

Home purchase

Rent-versus-buy wealth model

Compare housing cash flows, investment opportunity, mortgage equity and modeled selling costs year by year.

Fine-tune the details 10 more assumptions +

These assumptions are part of the result even when this panel is closed. Review them for your situation.

Starting values are illustrative scenarios, not local prices, rates, fees or eligibility rules. Enter the figures for your own situation.

YOUR DECISION, IN NUMBERS

METHOD 2026-10-23.3
Modeled owner net position$160,396
Modeled renter investments$198,334
Owner minus renter net position-$37,939
Scheduled mortgage P&I$2,275

Constant entered annual growth assumptions; no prediction, tax effects, transaction-specific fees, rent deposits or investment volatility. A negative owner advantage favors renting under the inputs.

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A SMALL CHANGE / A DIFFERENT VIEW

Home growth one point lower

Modeled owner net position

Current scenario$160,396
Changed assumption$128,015

One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.

READ THE RESULT

What the numbers are telling you.

  1. The renter starts by investing the down payment and purchase closing cash that the owner spends.
  2. The less expensive monthly path invests the difference, using your chosen return assumption.
  3. Owner equity is reduced by modeled sale costs and debt. Appreciation and investment returns can change the result materially.
A GOOD QUESTION

Does this model assume buying always wins?

No. It compares owner net sale equity and investments with renter investments under your assumptions. A negative owner advantage favors renting within this scenario; future returns are unknown.

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YOUR COMPARISON TABLE

Keep the possibilities
side by side.

Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.

No scenarios saved on this device yet.

OPEN METHODS / BETTER QUESTIONS

Understand what the number means.

The calculation

Renter starts by investing the down payment and purchase closing costs. Monthly differences are invested by the less-expensive path. At exit, compare owner sale equity and investments with renter investments.

Before acting on the result

Constant entered annual growth assumptions; no prediction, tax effects, transaction-specific fees, rent deposits or investment volatility. A negative owner advantage favors renting under the inputs.

Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.

YOUR NEXT STEP / MITEY U.S.

A number is a start.
Make the next step clearer.

Ask MITEY about the calculation, an assumption or how to organize your next decision. Choose whether to include your scenario.

01 · Your calculator stays free02 · Share only what you choose03 · No loan application or credit check

This is an educational enquiry. It is not a request for a lender quote, approval or regulated mortgage advice.

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About: Rent-versus-buy wealth model · Broomfield

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