BuyOrFI

Does this house help or hurt your FI date?

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The house

Purchase price Down payment Mortgage rate % Term (years) Property tax / yr Insurance / yr HOA / mo Maintenance % / yr Appreciation % / yr Current rent / mo

Your FI path

Investable portfolio Monthly surplus (at today's rent) Target annual FI spend Safe withdrawal rate % Expected real return % Closing costs % of price (optional)

Years to FI if rent

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Buying impact

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Years to FI if buy

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If rate +1%: — If real return 4%: —

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3 named scenarios (save / load / clear)
Side-by-side compare on years, cash flow & assumptions
Printable decision memo
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Decision memo

Educational only — not financial, tax, or legal advice. Figures below are from your browser-local inputs.

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BuyOrFI

The house

Your FI path

Multi-scenario pack · $19 once

Scenario pack

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