Comprehensive 30-year simulation comparing homeownership equity against renting and investing down payment capital in index funds.
If you plan to stay in the home for longer than 11 years, buying generates superior cumulative net wealth. If your horizon is under 11 years, renting and investing preserves more capital.
Net Worth_{Buyer} = [Home Value \times (1 - C_{sell})] - Balance_{mortgage}Net proceeds if the owner liquidates their home after deducting agent commissions, title fees, and loan payoff versus compounding alternative renter portfolio capital.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
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