Rent vs Buy Home Calculator
Wynajem czy zakup? Zobacz miesiąc po miesiącu, w którym roku zakup się opłaci.
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.
Wypróbuj tutaj
Demo na żywo z wymyślonym przykładem. Nic, co tu wpiszesz, nie jest zapisywane ani wysyłane.
Co potrafi
Szczegóły produktu są po angielsku.
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.
Jak to działa
- 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.
Co otrzymujesz
- 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
Dobrze wiedzieć
- 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.
Z bliska
Obrazy pokazują angielską wersję plików.
Kup na Etsy i od razu pobierz pliki.