Calculator · Educational Only

Rent vs Buy — 20, 30, 40-Year Wealth Math

A straight-line projection of net wealth if you rent vs buy. No Monte Carlo simulation, no assumptions about your next raise — just transparent math you can tweak with sliders.

Not an underwriter. Heath Watte is a licensed REALTOR®, not a lender. This tool gives you a straight-line estimate of wealth outcomes based on your inputs. It does not constitute a mortgage pre-approval, affordability determination, investment advice, or tax advice. Actual loan qualification is determined by a licensed lender. Consult a tax professional about the deductibility of mortgage interest and property taxes in your situation. Full disclaimer.
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Accessibility Statement

Heath Watte is committed to making heyheath.com accessible to everyone. This site is designed to conform with WCAG 2.1 and 2.2 Level AA standards.

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  • Reduced motion support
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If you experience any accessibility barriers, please reach out:

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