Break-even ladder
Paste your rent, the purchase costs and the holding costs, and read the year owning overtakes renting on your own figures.
1 · Paste the rent, price and holding costs
FIRST-LOAD
Data note: Everything runs in this browser tab on the break-even ladder: your rent, price and cost figures stays on this device, nothing is uploaded, and the reading is rebuilt only when you press run.
Perspective: Before: the reader accepted the five-year rule. After: they can see the crossing at year seven on their own rent and price.
2 · Read the break-even ladder
Paid layer: the scenario file
one-time step · the free reading above stays complete
Free tier
- one complete ladder
- the crossing year
- state link for a partner
What $9 one-time adds
- three scenarios kept on this device
- printable comparison with assumptions listed
- CSV of year, rent paid, ownership cost and position
A seven-figure purchase decision rests on this arithmetic; the comparable it undercuts is a mortgage broker fee of $500–$1,500 or an adviser's hourly rate.
Local history (this device)
- No saved runs yet — your first run files here.
Your purchase is handled through secure checkout. When you return, your extras are ready on this device — no account, no fuss, and your work stays private in this browser.
Boundary and sources
This break-even ladder works only on the rent, price and holding cost figures you paste you paste. It does not give financial advice, does not arrange a mortgage, and does not predict house prices. The figures describe what you supplied, not what is true in the world. Confirm anything you plan to act on with an independent mortgage adviser or financial adviser who does not earn commission from the recommendation before you rely on it.
- Every figure comes from the rent, price and holding cost figures you paste you paste; nothing is looked up, scraped or asserted as verified.
- Method: each year compares cumulative rent with cumulative ownership cost, including transaction costs amortised over the years held
- Sample values are labelled samples — illustrative by design, not your data and not a quotation of any organisation's policy.
Mechanism: competence-autonomy-loop