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Enter your details below to figure out how much you'll earn by buying or renting different houses

Configure the financial model

Interest rate:
3.5
⁠
⁠
Loan amount:
$905,000
⁠
⁠
Loan length (years):
30
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Recalculate loan schedule
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Total tax rate w/ LT cap gains:
35%
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⁠
Marginal tax rate:
37%
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⁠
Property tax rate
1.27%
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⁠
Years to sell:
7
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Annual rate of return on investment ETF:
6%
⁠
to
⁠
8%
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⁠
Marital status for tax purposes
single
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⁠
Primary home?
⁠
⁠
Cap gains exclusion
250000
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⁠
⁠
Add a new listing
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⁠
Compare listings
1
127 Buchanan st.
SPECS
⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️
Buying price
$1,150,000.00
Downpayment
$245,000.00
growth/yr % (lo)
2%
growth/yr % (hi)
5%
Calculated monthly rental income
$0.00
Expected rent for similar quality
$3,800.00
Monthly Payment
$5,850.94
BUY HOUSE OUTCOMES
🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡
Equity built
$135,346.02
BUY - Net gain after tax (avg)
$454,650.26
RENT AND INVEST OUTCOMES
💰💰💰💰💰💰💰💰💰💰💰
RENT - Net gain after tax (avg)
$268,749.47
SCENARIO MODELING
🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑
Buy👍 vs Rent👍 net diff (hi-hi)
$213,050.30
Buy👍 vs Rent👎 net diff (hi-lo)
$246,523.70
Buy👎 vs Rent👍 net diff (lo-hi)
$4,856.76
Buy👎 vs Rent👎 net diff (lo-lo)
$38,330.16
Buy vs Rent avg
$185,900.79
45 Bartlett #501
SPECS
⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️
Buying price
$1,200,000.00
Downpayment
$295,000.00
growth/yr % (lo)
1%
growth/yr % (hi)
4%
Calculated monthly rental income
0
Expected rent for similar quality
$4,500.00
Monthly Payment
$6,166.85
BUY HOUSE OUTCOMES
🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡
Equity built
$135,346.02
BUY - Net gain after tax (avg)
$363,049.35
RENT AND INVEST OUTCOMES
💰💰💰💰💰💰💰💰💰💰💰
RENT - Net gain after tax (avg)
$256,174.37
SCENARIO MODELING
🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑
Buy👍 vs Rent👍 net diff (hi-hi)
$172,886.00
Buy👍 vs Rent👎 net diff (hi-lo)
$213,190.70
Buy👎 vs Rent👍 net diff (lo-hi)
-$72,436.48
Buy👎 vs Rent👎 net diff (lo-lo)
-$32,131.78
Buy vs Rent avg
$106,874.98
45 Bartlett #501
SPECS
⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️
Buying price
$1,255,000.00
Downpayment
$350,000.00
growth/yr % (lo)
1%
growth/yr % (hi)
4%
Calculated monthly rental income
$440.00
Expected rent for similar quality
$4,500.00
Monthly Payment
$6,210.06
BUY HOUSE OUTCOMES
🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡
Equity built
$135,346.02
BUY - Net gain after tax (avg)
$404,342.98
RENT AND INVEST OUTCOMES
💰💰💰💰💰💰💰💰💰💰💰
RENT - Net gain after tax (avg)
$281,460.56
SCENARIO MODELING
🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑
Buy👍 vs Rent👍 net diff (hi-hi)
$182,070.29
Buy👍 vs Rent👎 net diff (hi-lo)
$229,889.43
Buy👎 vs Rent👍 net diff (lo-hi)
-$67,048.21
Buy👎 vs Rent👎 net diff (lo-lo)
-$19,229.08
Buy vs Rent avg
$122,882.42
45 Bartlett #501
SPECS
⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️
Buying price
$1,255,000.00
Downpayment
$350,000.00
growth/yr % (lo)
0%
growth/yr % (hi)
4%
Calculated monthly rental income
$2,000.00
Expected rent for similar quality
$4,000.00
Monthly Payment
$6,255.06
BUY HOUSE OUTCOMES
🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡
Equity built
$135,346.02
BUY - Net gain after tax (avg)
$439,208.08
RENT AND INVEST OUTCOMES
💰💰💰💰💰💰💰💰💰💰💰
RENT - Net gain after tax (avg)
$327,240.56
SCENARIO MODELING
🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑
Buy👍 vs Rent👍 net diff (hi-hi)
$210,433.78
Buy👍 vs Rent👎 net diff (hi-lo)
$258,252.92
Buy👎 vs Rent👍 net diff (lo-hi)
-$124,688.10
Buy👎 vs Rent👎 net diff (lo-lo)
-$76,868.96
Buy vs Rent avg
$111,967.52
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