Two paths. One honest horizon.
Put renting and buying on the same number of months. This worksheet adds your cash outflows and subtracts only the final cash you enter. It supplies no market forecast, country preset, break-even year or housing recommendation.
Use one currency. Bring the mortgage payment from a written quote or the separate mortgage planner; enter every other amount yourself.
For rent, use only cash expected back at the horizon. For buying, use your own net sale-cash figure after remaining loan principal, tax and selling costs. This tool does not calculate either amount.
No. It means only that the entered net cash cost is lower over the entered horizon. Affordability, mobility, risk, title, condition and personal needs are outside this arithmetic.
They are not modelled here. Enter a quoted mortgage payment, and if you want to include sale proceeds, enter one final net cash figure that already reflects your own separately documented assumptions.
A break-even forecast would require time-varying rent, rates, property values, expenses and investment returns. This tool compares one equal horizon without inventing those paths.
No. Calculation and exports run locally without storage or transmission.