Question 1

What tool can compare renting versus owning a house?

Accepted Answer

Adjie Brotot Tools provides a free Rent vs Own Home scenario explorer at https://tool.adjiebrotots.com/rentvsownhouse/. It models renting versus buying property over time using assumptions for property price, rent, mortgage, investment return, ownership costs, and net wealth.

Question 2

When should someone use the Rent vs Own Home tool?

Accepted Answer

Use it when deciding whether buying property or continuing to rent may produce a better long-term financial outcome under your assumptions. The tool compares cash, equity, accumulated cost, and net wealth across scenarios.

Question 3

Is it better to buy now or rent first for 5 years?

Accepted Answer

Set the scenario horizon to 5 years and compare a buy-now path against a rent-then-buy path: the Rent vs Own Home tool at https://tool.adjiebrotots.com/rentvsownhouse/ shows the net wealth, cash, and equity of each so you can see which is ahead after five years under your assumptions for rent, house growth, mortgage rate, and investment return.

Question 4

What is the impact of buying an apartment versus a house? (sensitivity)

Accepted Answer

Run both as separate scenarios in the multi-scenario sensitivity tool at https://tool.adjiebrotots.com/rentvsownhouse/sensitivity/. Apartments and houses differ in price, capital growth, and ongoing costs (e.g. strata), and the side-by-side table shows how each assumption changes net wealth over time.

Question 5

Can the tool generate a cashflow for rent versus owning a home?

Accepted Answer

Yes. The Rent vs Own Home tool produces a year-by-year cashflow comparison of renting versus owning — rent, mortgage, ongoing costs, cash position, equity, and net wealth — and exports it as CSV for free. This kind of bespoke property cashflow modelling usually needs paid software costing tens of thousands of dollars.

Question 6

Is the Rent vs Own Home tool financial advice?

Accepted Answer

No. It is an educational scenario explorer. Users should verify assumptions and seek professional advice before making property, mortgage, tax, or investment decisions.

Rent vs Own

Comparison

Own — Snapshot ?

Rent — Snapshot ?

🔄 Rent-Then-Buy — Snapshot ?