Home Decision: Rent vs Buy

Home Decision helps you compare renting vs buying using real assumptions, transparent modeling, and market-specific logic. Make one of life’s biggest financial decisions with more clarity. Instead of relying on basic calculators, this app lets you build realistic scenarios and understand how outcomes change over time. MODEL YOUR REAL SITUATION Create scenarios based on your actual numbers: * Home price, rent, and down payment * Mortgage rate, taxes, and transaction costs * Investment returns and inflation * Time horizon and mobility risk See how buying and renting compare based on what you enter, not generic averages. BUILT FOR REAL-WORLD MARKETS Home Decision adapts to different countries with market-specific rules: * Mortgage structures and compounding * Country-specific tax treatment * Local default assumptions * Optional live economic data This makes results more realistic than one-size-fits-all calculators. UNDERSTAND THE FULL PICTURE Go beyond a simple answer and see what drives the result: * Net worth projections over time * Break-even timeline * Price-to-rent ratio * User cost of housing * Mobility risk and early-exit scenarios The app shows both the outcome and the reasoning behind it. TRANSPARENT AND EXPLAINABLE Every result is based on visible assumptions: * Interest rates and data sources * Inflation and return assumptions * Tax treatment * Behavioral factors such as investment discipline There is no hidden logic. You can see exactly what influences your outcome. COMPARE MULTIPLE SCENARIOS Test different strategies and situations: * Compare up to four scenarios side by side * Explore different cities, prices, or rates * Understand trade-offs clearly Ideal for evaluating multiple options before making a decision. EXPORT AND SHARE RESULTS Generate a detailed report including: * Key results and metrics * Full amortization schedule * Assumptions used in the model Export as a PDF and share your analysis. PRIVACY FIRST * All calculations run locally on your device * No personal financial data is transmitted * Live rates use only public data sources Your data stays private. WHO THIS APP IS FOR * First-time home buyers * People deciding whether to rent or buy * Expats comparing housing decisions across countries * Anyone who wants a structured way to think about housing decisions IMPORTANT This app is for educational and planning purposes only. Results are based on assumptions and do not constitute financial, tax, or investment advice. contact us: [email protected]