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Rent or buy, extra mortgage payments and the cost of owning a home.
Compare buying with a mortgage or in cash against renting and investing the difference, with price growth, rent increases and returns.
Mortgage against renting and investingHow much interest you save with extra payments on any loan, by shortening the term or lowering the payment, and whether investing pays more.
Mortgage, car or personal loanAnalyze a rental property: cap rate, cash-on-cash return, payback and IRR with vacancy, expenses, taxes, appreciation and an optional mortgage.
Cap rate, cash-on-cash and IRRWork out the yearly rent increase from the lease index, the extra per month and per year, and what a counteroffer cap would save.
New rent by index, with a capCompare your mortgage with a lower-rate refinance: new payment, savings after closing costs, break-even month and net result if you move.
New payment, savings and break-evenImportant notice: PersonalCalcs calculators are educational tools that produce estimates from the data you enter and from standard financial formulas. Results are not investment, tax, legal or accounting advice and are not an offer or recommendation to buy or sell any security or financial product. PersonalCalcs is not a bank, broker or licensed financial adviser. Rates, taxes and rules vary by country and change over time: check with an official source or a qualified professional before making decisions. By using this site you agree to the Terms of Use.
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