RentOrBuy

Discover your true net worth trajectory. Factor in taxes, opportunity costs, and past purchases.

Location

Bedrooms

Purchased: Today

Future Horizon: 10 Yrs

The Verdict

After a total of 10 years in Cupertino, Buying wins by:

Buy Settings

Purchase Price

Down Payment

Interest Rate

Property Tax

1% tax = $10k per million. Note: CA uses Prop 13 logic (tax growth capped at 2%/yr).

Maintenance

Rule of thumb is 0.5% to 1% of home value per year for upkeep and repairs.

This is a Condo / Townhome

Rent Settings

Initial Monthly Rent

Renter's Insurance (Monthly)

Rent Growth/Yr

Stock Return

Where Your Money Goes

Average monthly costs during the 1st Year. Understand the difference between sunk costs and building wealth.

Buying

$0 /mo

To Bank (Interest) $0

To Gov (Prop Tax) $0

Upkeep (Maint.) $0

To You (Equity) $0

Renting

$0 /mo

To Landlord (Rent) $0

Insurance $0

Savings Invested $0

Net Worth Trajectory

Projected from purchase to end of horizon

Final Results (At End of 10 Yr Horizon)

Buyer

Home Value $0

Remaining Loan -$0

Net Worth $0

Renter

Initial Invested $0

Avg Rent (End) $0/mo

Portfolio $0

Disclaimer: This calculator is for educational and informational purposes only and does not constitute financial, legal, or tax advice. Market conditions, tax laws, interest rates, and investment returns are unpredictable and subject to change. Always consult with a qualified financial professional before making major real estate or investment decisions.