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Life Decision Simulator

Should You Rent or Buy?

Stop guessing. Our interactive calculator shows you the real 30-year financial comparison with location-specific data, investment returns, and a clear crossover point.

See Your 30-Year Projection

Drag the house to any location on the map and watch the numbers update in real-time.

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Make Smarter Housing Decisions

Everything you need to understand the true cost of renting vs buying.

Feature 01

Visual Crossover Analysis

See exactly when buying becomes more valuable than renting. Our dynamic graph shows you the "crossover point" where home equity surpasses your investment portfolio—so you can plan your timeline with confidence.

Rent + Invest
$847K
After 30 years
Buy Home
$923K
Home equity
⚡ Year 7
Feature 02

Location-Specific Data

Property taxes, home appreciation rates, and rent inflation vary wildly by location. Drop a pin anywhere on the map and get real market data for that specific area—from San Francisco to small-town Texas.

Property Tax Rate 1.25%
Home Appreciation 4.2% / yr
Rent Inflation 3.5% / yr
Median Home Price $725,000
Median Rent $3,200 / mo
Feature 03

Complete Cost Breakdown

Don't forget about property taxes, insurance, maintenance, and HOA fees. We factor in all the hidden costs of homeownership—plus the opportunity cost of your down payment if you invested it instead.

Mortgage Payment $2,847
Property Tax $521
Insurance $167
Maintenance $417
HOA $250
Total Monthly $4,202
Feature 04

Investment Comparison

What if you rented and invested the difference? We calculate the growth of a stock portfolio using your down payment and monthly savings—showing you the true opportunity cost of buying vs renting.

Stock Portfolio
7%
Annual return
Down Payment
$100K
Initial investment
Year 10 Portfolio $267,483
Year 30 Portfolio $847,291
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