Rent-versus-buy model
Compares ownership with renting and investing the down payment and monthly savings instead.
HomeFitLive calculator · Greater Boston matching interest
Rent × invest × buy
Find the home price that fits your life and your portfolio.
HomeFit compares buying with renting and investing the difference, so you can see a practical price range instead of only a lender's maximum.
Open HomeFitCalculator available now · First matching report free
What it really does
It turns rent versus buy into three prices you can question—not one affordability ceiling.
HomeFit estimates the price that keeps first-year owner spending near your current housing cost, the price where buying and renting plus investing finish approximately even, and a more conservative target range. You can change the assumptions and test a real listing price before treating any result as useful.
How it works
Start with your life, then test the house.
- 01
Build your baseline
Enter a city or ZIP code, current rent and fees, down payment, mortgage rate, and how long you expect to stay.
- 02
Tune the assumptions
Adjust home growth, portfolio return, property tax, maintenance, insurance, utilities, HOA, and rent growth.
- 03
Read the three prices
Compare a same-spend price, a wealth-neutral price, and a practical target range that leaves room for uncertainty.
- 04
Test a real asking price
Enter a candidate listing price to compare first-year cash flow, upfront cash, principal built, and the modeled wealth difference.
The useful parts
A housing model you can inspect and adjust.
Designed for prospective buyers who want to compare the home decision with the investment path they would otherwise keep.
Whole-balance-sheet view
Keeps monthly affordability and long-term invested wealth in the same comparison.
Assumptions you control
Replace planning defaults with the mortgage, tax, return, maintenance, and time-horizon assumptions you believe.
Leverage made visible
Shows how gains or losses on the full home value interact with debt, costs, principal paydown, and invested alternatives.
Home-matching interest
Save criteria for a first free Greater Boston report when property matching opens; paid reports are not started automatically.
The honest limit
A planning model, not a preapproval or prediction.
HomeFit provides educational estimates, not financial, tax, legal, mortgage, appraisal, or investment advice. Use the actual tax bill, insurance quote, HOA documents, inspection findings, and lender terms before making an offer.
Use both sides of the balance sheet