—
—
Confidence
—
Choose market and residency status
Market
Residency
Results
Net wealth — buy
—
Net wealth — rent + invest
—
Monthly cost — buy
—
year 1, after tax shields
Break-even appreciation
—
rate that equalises both paths
Wealth trajectory
Home equity (buy)
Portfolio (rent + invest)
Sensitivity — when does the verdict flip?
appreciation rate × holding period
Buy wins
Rent wins
cell value = wealth advantage of winning path
Cash-flow detail
| Monthly mortgage (EMI) | — |
| Upfront cost (down payment + transaction) | — |
| Total interest paid over holding period | — |
| Total rent paid over holding period | — |
| Terminal home value | — |
| Outstanding loan at sale | — |
| Selling cost (broker, legal) | — |
| Capital gains tax on sale | — |
| Terminal portfolio (renter) | — |
| LTCG on portfolio gains | — |