Quick guide
How to use this calculator
- Enter the contractual or scenario values requested by each label.
- Keep amounts in one currency and use the whole-period unit shown on each label.
- Review every result with the stated exclusions.
Calculation method
Calculation method
Renting cost is the annual rent-payment series. Ownership net cash cost = down payment + purchase costs + mortgage payments + other ownership costs − net sale position after selling costs and remaining mortgage. Other monthly ownership costs remain constant throughout the horizon. A negative sale position means additional cash would be needed at sale.
The engine retains calculation precision and rejects invalid or numerically unreliable schedules.
Worked example
Scenario example
For a 120,000 property bought in cash with no transaction or ownership costs, no value change, and 1,000 monthly rent for one year, modeled rent payments total 12,000 while the ownership net cash cost is zero after a 120,000 sale.
Renting cost is the annual rent-payment series. Ownership net cash cost = down payment + purchase costs + mortgage payments + other ownership costs − net sale position after selling costs and remaining mortgage. Other monthly ownership costs remain constant throughout the horizon. A negative sale position means additional cash would be needed at sale.
Supported inputs
Precision and limits
Visible limits
Amounts are capped at 1e12, entered rates at 1000%, periods at 1,200 months or 100 years, and fixed decimals at 12 places. A derived ARM rate above 1000% is rejected.
International scope
No jurisdiction, currency, tax, insurance, index path, lender rule, or legal interpretation is assumed.
Not a quotation
Results are mathematical scenarios based only on entered terms.
Specific assumptions
This is an undiscounted cash-cost scenario, not a recommendation. The renter side includes rent payments only; renter insurance, deposits, renter-only fees and utilities are excluded. The ownership side excludes taxes on gains, tax deductions, investment returns on cash-flow differences, financing fees, moving costs, renovations, and sale timing risk unless represented in an entered cost.