The Housing Model

Most rent-vs-buy calculators stop at the house. The Housing Model looks at the life around it. Compare renting, buying now, or buying later with personalized, month-by-month financial projections that account for income, debt, children, childcare, cars, college, career changes, and retirement. Discover when you can afford to buy, the maximum home price your finances can sustain, how much cash you'll have left each month, and your projected net worth over 30 years or across your lifetime. Stress-test key assumptions, compare financial scenarios, and understand not just which option builds more wealth, but whether your finances can support it along the way. Build your plan for free, with your personal financial data staying in your browser.