Quick guide
How to use this calculator
- Enter amounts from the same property scenario and use consistent periods and units.
- Use visitor-entered rates and allowances from your own documents rather than assuming a local rule.
- Review the component results and the calculator-specific decision boundary before acting.
Calculation method
Calculation method
Annual cash outflow = mortgage payments + tax + insurance + fees + utilities + maintenance + periodic reserves; modeled economic cost subtracts principal repaid and adds entered equity opportunity cost.
Entered fixed decimals remain exact through rational arithmetic. Planar distance outputs that require square roots use bounded numerical evaluation. Values round only for display, and unsupported or undefined states return an explicit message.
Worked example
Worked example
Annual payments of 24,000 with 6,000 principal and 18,000 of other cash costs produce 42,000 cash outflow and 36,000 modeled cost before opportunity cost.
Annual cash outflow = mortgage payments + tax + insurance + fees + utilities + maintenance + periodic reserves; modeled economic cost subtracts principal repaid and adds entered equity opportunity cost.
Supported inputs
Precision and limits
International scope
No currency, market price, interest rate, tax, tenancy rule, planning code, lender policy, or measurement definition is supplied automatically.
Scenario, not a decision
Results are arithmetic scenarios from visitor-entered values—not an appraisal, loan approval, legal interpretation, planning determination, forecast, or professional recommendation.
Precision and privacy
Inputs accept bounded plain decimals and remain in this browser. The engine prevents invalid denominators and misleading non-finite results.
Calculator-specific boundary
Principal is separated rather than called a consumption cost. Tax effects, appreciation, inflation and imputed rent are not inferred.
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