Free models for borrowing, ownership, and investing, built to show the mechanics underneath a decision rather than a rule of thumb. Every figure on this page is real output from the models.
Fig. 1 Rent vs. buy, net worthfrom /rent-vs-buy
A $500k home against renting and investing the difference. The answer is a curve, not a number: renting leads for the first 8.8 years, then buying pulls ahead.
$500k · 20% down · 6% mortgage · 3% appreciation · 7% return · California