Rent vs Buy Home Calculator
Huren of kopen? Zie per maand in welk jaar kopen zich terugbetaalt.
Rent vs buy home calculator by Envelo HomeFork: buying and renting followed month by month, with your own numbers.
Buy a home now or keep renting and invest what you save? HomeFork follows both paths month by month and shows who has more money after the years you choose – and from which year buying catches up with renting.
Probeer het hier
Een live demo met een verzonnen voorbeeld. Niets wat je hier typt, wordt bewaard of verstuurd.
Wat het doet
De productdetails zijn in het Engels.
What you can do
- Enter the home: price, down payment, buying costs, mortgage rate and term (or no mortgage at all)
- Add the costs of owning: property tax, home insurance, repairs and upkeep, a service charge or HOA
- Set your assumptions: how fast the home value and the rent change, selling costs, the return on savings
- See the money left on both paths after 1 to 40 years: home value − mortgage left − selling costs + savings, against the renter's savings
- Find the break-even year, with a chart and a table for every year
- What if: home value growth, the mortgage rate, rent growth and the return 1 or 2 points lower or higher, the home price 20% lower or higher
- First-month costs, interest and everything spent on each path, CSV download, print, backup and restore
Example inside
A made-up 350,000 flat with 20% down at 6.5% for 30 years, against 2,000 rent a month: renting is ahead for the first 8 years, buying catches up in year 9 and after 10 years leaves 15,038 more.
Hoe het werkt
- Download the ZIP from Etsy after checkout.
- Unzip and open Envelo-HomeFork.html in your web browser. Look at the filled example, then press My numbers.
- Fill in the home and the rent. The answer updates as you type and saves in your browser.
Wat je krijgt
- START-HERE.pdf (0.12 MB)
- Envelo-HomeFork-v1.0.zip (1.82 MB)
Inside the ZIP:
- Envelo-HomeFork.html: the app, opens in your browser by double click and works offline, 11 languages
- Envelo-HomeFork.xlsx: spreadsheet edition with a 10-language switch – your numbers, the answer, month by month for 40 years and year by year
- Envelo-HomeFork-Arabic.xlsx: the same spreadsheet in Arabic, right to left
- examples/: the filled example as a backup file
- START-HERE/: the guide in 11 languages
- LICENSES.txt and WHAT_YOU_GET.txt
Goed om te weten
- This is a digital download. Nothing is shipped.
- No subscription and no account. The app runs on your device and uploads nothing.
- HomeFork compares the assumptions you enter. Taxes, tax breaks and personal circumstances are not included. It is not financial, tax or legal advice.
- Your numbers do not sync between devices; move them with the backup file.
- For your own use. Please don't resell or share the files.
- The app, its logo, the texts and the translations were made as code with the help of an AI coding assistant. No AI image generators were used.
Van dichterbij
De afbeeldingen tonen de Engelse versie van de bestanden.
Koop het op Etsy en download de bestanden meteen.