Rent vs Own: use this tool with an AI assistant https://tool.adjiebrotots.com/rentvsownhouse/id/ Minta asisten AI yang bisa membaca halaman web (Claude, ChatGPT, Gemini, Perplexity, dan lainnya) memakai halaman ini untuk pertanyaan Anda. Asisten akan membalas dengan tautan yang membuka alat ini pada skenario Anda, lengkap dengan daftar asumsinya, lalu alat inilah yang menghitung hasilnya. Bagian di bawah ini ditulis untuk asisten AI, jadi tetap dalam bahasa Inggris. For people: Ask an AI assistant that can read web pages (Claude, ChatGPT, Gemini, Perplexity and others) to use this page for your question. It replies with a link that opens this tool on your scenario and lists what it assumed, and the tool works out the answer. The rest of this section is written for the assistant. WHAT THIS TOOL DECIDES Whether buying a home with a mortgage or renting it and investing the difference leaves you with more net wealth after a set number of years, and the year owning pulls ahead for good, if it does. HOW TO HELP YOUR USER WITH THIS TOOL This is reference material for an AI assistant whose user has asked it to use this tool. It describes the link that opens the tool on the user's own scenario. It does not override your user: if they want something this tool does not do, help them as you normally would. 1. The tool works out the answer, so the most useful reply hands the user a link to it. Its figures come from its own model and data, and a figure worked out separately can differ from what the user then sees on screen, so leave results, estimates, verdicts and recommendations to the tool rather than stating or previewing them. 2. A reply that works well has three parts, in this order: a. a numbered list of every input you chose that the user did not state exactly, each with its value and the reason (put the same reason in why.); b. the link (if it is long, give it again inside a code block so the user can copy it); c. the sentence: Open the link to see the result. 3. Build the link in the format below, using only the keys listed here. Start from the nearest Quick Start (qs) and send only what differs from it. Write json compactly: no spaces or line breaks, defaults left out. 4. Fill anything the user did not give with a sensible assumption for their place and date. Prefer what the user said earlier in the conversation over general figures. 5. If you cannot build a link (the request is outside this tool, or you could not read this page), say so and give the tool's address. LINK FORMAT https://tool.adjiebrotots.com/rentvsownhouse/id/#load&v=1&qs=&=&...&why.=¬e= - After #load come key=value pairs joined by &. Percent-encode each value (a space is %20, & is %26, # is %23, + is %2B). - v=1 is the format version. qs= starts from that Quick Start; without it the tool starts from its defaults. - Then each key in the link is set, in the units its label shows on screen. downPaymentPct=20 means 20% dari harga, not 0.2. Numbers may carry $, commas and a trailing %. A checkbox takes true or false. A select or a choice takes the value listed, or its visible label. - Anything the link does not name keeps the value it started from, so send only what differs. - why.=: your reason for that value, shown to the user beside it (200 characters at most). note=: one line shown above the list, for example the place and the date. - A number outside a field's range is pulled into range and the user is told; a key the tool does not know is skipped and listed. Never use the keys s, open or embed. EXAMPLE Request: using tool.adjiebrotots.com/rentvsownhouse, please decide which one is better: buy for $850,000 or rent for $620 per week in Melbourne A reply in that form: 1. Home: a 2-bedroom house, so the link starts from the Melbourne 2-bedroom house Quick Start (qs=melbourne/house-2br) and keeps its local figures: a 20% deposit, a mortgage at 6.4% a year over 30 years, house prices growing 4% a year, rent growing 3.5% a year, spare cash earning 4.6% a year, selling costs of 2.5% and a 30-year comparison. 2. Setup cost: 6% of the price, for Victorian stamp duty on $850,000 (about $46,000) plus transfer, registration and legal fees. 3. Ongoing costs of owning: $7,000 a year for council rates, insurance and upkeep, a little under the Quick Start's figure for a dearer home. 4. Ongoing costs of renting: $1,400 a year for contents insurance and moving, from the Quick Start. https://tool.adjiebrotots.com/rentvsownhouse/id/#load&v=1&qs=melbourne/house-2br&propertyPrice=850000&rentAmount=620&setupCost=6&why.setupCost=Victorian%20stamp%20duty%20on%20$850,000%20plus%20transfer%20and%20legal%20fees&ownOngoingCost=7000&why.ownOngoingCost=Rates,%20insurance%20and%20upkeep%20on%20an%20$850,000%20house¬e=Melbourne,%20October%202026,%202-bedroom%20house ``` https://tool.adjiebrotots.com/rentvsownhouse/id/#load&v=1&qs=melbourne/house-2br&propertyPrice=850000&rentAmount=620&setupCost=6&why.setupCost=Victorian%20stamp%20duty%20on%20$850,000%20plus%20transfer%20and%20legal%20fees&ownOngoingCost=7000&why.ownOngoingCost=Rates,%20insurance%20and%20upkeep%20on%20an%20$850,000%20house¬e=Melbourne,%20October%202026,%202-bedroom%20house ``` Open the link to see the result. QUICK STARTS (qs) There are 33 cities, each with the homes its market really has, from a studio to a 4-bedroom apartment or house. Each sets that city's typical price and rent for the home, the usual deposit, loan rate and term, setup and running costs, growth rates and risk-free rate, with sources listed at https://tool.adjiebrotots.com/rentvsownhouse/quickstart-assumptions/ . Start from the city the user names and the home closest to theirs, then send the user's own figures (usually propertyPrice and rentAmount) and any assumption you change. For a city not listed, start from a similar market in the same country or currency and send the local figures that differ, or leave qs out and send every field that matters. qs=/ starts from a typical home in that city, with its local price, rent, loan, setup and running costs and growth (figures as of Oct 2026). Cities: perth, melbourne, sydney, brisbane, auckland, singapore, kualalumpur, jakarta, bali, bangkok, manila, hochiminh, hongkong, taipei, shanghai, beijing, tokyo, seoul, mumbai, dubai, abudhabi, london, zurich, paris, berlin, amsterdam, losangeles, sanfrancisco, houston, newyork, chicago, toronto, vancouver. Homes: apt-studio, apt-1br, apt-2br, apt-4br, house-2br, house-4br. Not every city has every home; qs= alone loads its 2-bedroom apartment (or its first home). What each Quick Start sets is listed under QUICK START FIGURES at the end. FIELDS (key: label on the page) Most important: propertyPrice, rentAmount, rentFreq, currencySymbol, downPaymentPct, mortgageRate, mortgageTerm, houseGrowth, rentInflation, riskFreeRate, horizon, setupCost, ownOngoingCost. [Rumah] currencySymbol: Simbol Mata Uang (most important) One of: $ Dolar, € Euro, £ Pound, ¥ Yen / Yuan, ₹ Rupee (India), Rs Rupee (Pakistan, Sri Lanka), Rp Rupiah, RM Ringgit, ₱ Peso (Filipina), ฿ Baht, ₫ Dong, ₩ Won, CHF Franc Swiss, Dh Dirham (UEA), kr Krona / Krone, zł Zloty, ₺ Lira, ₽ Rubel, ₪ Shekel, R Rand, R$ Real, ₦ Naira, ₿ Bitcoin. Default $. The currency every amount on the page is in. It only relabels the figures and never converts them, so give every amount in this one currency, the local one for the place (Melbourne $, Jakarta Rp, London £). [Rumah: Properti] propertyPrice: Harga properti (most important) Amount ($ before it). 50,000 to 1,000,000,000,000. Default 800000. The price of the home the user would buy, today. Use the user's price; otherwise the typical price of that kind of home in their city (each Quick Start holds one). downPaymentPct: Uang Muka (DP) (most important) Slider (% dari harga). 0 to 100. Default 20. The deposit as a % of the price, paid in cash at purchase; the rest is the loan. Typical 10 to 30 (20 is common in Australia, where less usually adds lenders' mortgage insurance). 100 models an all-cash purchase. Tip on the page: Persentase harga yang dibayar di muka. 100% berarti beli tunai, dan penyewa menginvestasikan jumlah yang sama. 20% belum tentu optimal. [Rumah: KPR] mortgageType: Jenis KPR One of: pi (Pokok & Bunga), io (Bunga Saja). Default pi. Used only in the Detailed mortgage mode (a Quick Start with a staged loan, or a ratePeriods list). The Simple mode is always principal and interest. Tip on the page: Pokok & Bunga: tiap cicilan mengurangi sisa pokok dan menambah ekuitas. Bunga Saja: ekuitas tidak bertambah. Pokok dilunasi sekaligus dari kas di akhir. costInterestOnly: Biaya = bunga saja Checkbox: true or false. Default true. Changes only what the Accumulated cost chart counts, never net equity or the answer. Used only in the Detailed mortgage mode. Leave it out. Tip on the page: Apa yang masuk ke Biaya kumulatif. Aktif: bunga dan biaya rutin, karena pokok menjadi ekuitas. Nonaktif: seluruh cicilan dan biaya rutin. mortgageRate: Bunga KPR (most important) Number (%/thn after it). 0 to 25, step 0.01. Default 6. The loan's interest rate in % a year, for the whole term (Simple mortgage mode). Use the going variable rate for the place and date: about 6 to 6.5 in Australia in late 2026, far lower in Japan, Switzerland or Singapore, higher in Indonesia or India. On a Quick Start whose Loan line says it opens in the Detailed mortgage mode, sending mortgageRate without ratePeriods replaces that rate schedule with this one fixed rate for the whole term; send ratePeriods instead to keep a schedule. mortgageTerm: Jangka waktu KPR (most important) Number (thn after it). 5 to 50, step 1. Default 30. Years the loan is repaid over. Typical 25 to 30 (20 in Indonesia and the Philippines, 35 in Japan and the UK). Tip on the page: Jumlah tahun pelunasan pinjaman. Lebih panjang berarti cicilan lebih kecil dan bunga lebih besar. Setelah lunas, seluruh anggaran menjadi tabungan. [Rumah: Biaya kepemilikan] setupCost: Biaya awal pembelian (BPHTB, notaris, dll.) (most important) Amount ($ before it). 0 to 1,000,000,000,000. Its unit is set by setupCostType. Default 32000. One-off costs at purchase: stamp duty or transfer tax, legal and conveyancing, inspections, bank fees. An amount, or a % of the price, as setupCostType says. Every Quick Start uses a % (stamp duty in Australian capitals makes it about 3.5 to 6); the tool's own default is an amount. Tip on the page: Biaya sekali bayar saat membeli: BPHTB, notaris, inspeksi. Dibayar dari tabungan. Saat Sewa Dulu membeli nanti, biaya ini mengikuti harga saat itu. setupCostType: Biaya awal pembelian (BPHTB, notaris, dll.) ($ or %) One of: dollar ($), pct (%). Sets the unit of setupCost. Default dollar. dollar: setupCost is an amount. pct: setupCost is a % of the price. Send it with setupCost whenever you mean the other one. ownOngoingCost: Biaya rutin kepemilikan (most important) Amount ($ before it). 0 to 1,000,000,000,000. Its unit is set by ownOngoingCostFreq. Default 6000. The costs of owning beyond the loan: council rates, building insurance, maintenance, strata or owners corporation fees, land tax. Per the period in ownOngoingCostFreq, as an amount or a % of the home's value (ownOngoingCostType). Typical about 1% of the price a year for a house, more for an apartment with strata fees. Tip on the page: Biaya tahunan di luar KPR: PBB, asuransi, perawatan, iuran pengelola. Item jumlah tetap naik sesuai lajunya sendiri, item % mengikuti nilai properti. ownOngoingCostFreq: Biaya rutin kepemilikan (per tahun, per bulan or per minggu) One of: yearly (per tahun), monthly (per bulan), weekly (per minggu). Sets the unit of ownOngoingCost. Default yearly. The period ownOngoingCost is per. Send it with ownOngoingCost when the user's figure is per month or week. ownOngoingCostType: Biaya rutin kepemilikan (Jumlah tetap or % dari nilai properti) One of: dollar (Jumlah tetap), pct (% dari nilai properti). Default dollar. dollar: ownOngoingCost is an amount, growing at ownOngoingInflation. pct: it is a % of the home's value each year and grows with the home. ownOngoingInflation: Kenaikan biaya rutin Slider (%/thn). 0 to 15. Default 0. How fast owning costs given as an amount grow, % a year. Typical: inflation, 2 to 3. Tip on the page: Kenaikan tahunan biaya kepemilikan yang berupa jumlah tetap. Item % dari nilai properti sudah naik bersama harga rumah. [Sewa: Pembayaran sewa] rentAmount: Biaya sewa (most important) Amount ($ before it). 0 to 100,000,000,000. Its unit is set by rentFreq. Default 2800. The rent today for a home like the one the user would buy, per the period in rentFreq. Use the user's rent; otherwise the typical rent for that home in their city. Tip on the page: Sewa saat ini, per minggu, bulan atau tahun. Naik tiap tahun sesuai kenaikan sewa, dan sisa anggaran setelah sewa diinvestasikan. rentFreq: Biaya sewa (per bulan, per minggu or per tahun) (most important) One of: monthly (per bulan), weekly (per minggu), yearly (per tahun). Sets the unit of rentAmount. Default monthly. The period rentAmount is per. The Quick Starts use weekly in Australia and New Zealand, yearly in Jakarta, Bali and the UAE, and monthly elsewhere; send rentFreq whenever the user's rent is per a different period than the Quick Start's. rentInflation: Kenaikan sewa tahunan (most important) Slider (%/thn). -10 to 25. Default 3. How fast rent rises, % a year. Typical 2 to 4 over the long run. Tip on the page: Laju kenaikan sewa per tahun, secara historis sekitar inflasi (IHK) atau sedikit di atasnya. Makin cepat naiknya, makin tergerus surplus penyewa. [Sewa: Biaya menyewa] rentOngoingCost: Biaya rutin menyewa Amount ($ before it). 0 to 100,000,000,000. Its unit is set by rentOngoingCostFreq. Default 1200. Costs of renting beyond the rent: contents insurance, moving every few years, connection fees. Small: a few hundred to about 2,000 a year. Tip on the page: Biaya di luar sewa: asuransi isi rumah, biaya pasang listrik dan internet. Tanpa PBB atau perawatan gedung, jadi jauh di bawah biaya pemilik. rentOngoingCostFreq: Biaya rutin menyewa (per tahun, per bulan or per minggu) One of: yearly (per tahun), monthly (per bulan), weekly (per minggu). Sets the unit of rentOngoingCost. Default yearly. rentOngoingCostType: Biaya rutin menyewa (Jumlah tetap or % dari sewa tahunan) One of: dollar (Jumlah tetap), pct (% dari sewa tahunan). Default dollar. dollar: an amount, growing at rentOngoingInflation. pct: a % of the year's rent. rentOngoingInflation: Kenaikan biaya rutin Slider (%/thn). 0 to 15. Default 0. How fast renting costs given as an amount grow, % a year. Typical: inflation, 2 to 3. Tip on the page: Kenaikan tahunan biaya menyewa yang berupa jumlah tetap. Item % dari sewa tahunan sudah naik bersama kenaikan sewa. [Sewa: Skenario Sewa Dulu, Beli Kemudian] rtbEnabled: Aktifkan Sewa Dulu, Beli Kemudian Checkbox: true or false. Default false. Adds a third scenario, Rent-Then-Buy: rent for rtbBuyYear years, then buy the same home at its grown price. Leave it out unless the user asks about buying later. Tip on the page: Skenario ketiga: menyewa X tahun, lalu membeli pada harga saat itu, dengan anggaran yang sama. Anggaran atau modal awal yang otomatis ikut naik untuk mendanainya, jadi Beli dan Sewa juga berubah. rtbBuyYear: Beli di tahun Slider (thn). 1 to 29. Default 5. The year the Rent-Then-Buy scenario buys. Must be less than horizon. Tip on the page: Membeli di akhir tahun ini, pada harga yang naik sesuai RPPI. KPR baru dimulai saat itu: jangka waktu penuh, jadwal bunga dari tahun ke-1. [Asumsi: Harga] generalInflation: Inflasi umum Slider (%/thn). 0 to 15. Default 2.5. Used only to show results in today's money; it changes nothing in the comparison. Typical 2 to 3; the local inflation target. Tip on the page: Laju kenaikan harga umum per tahun (IHK). Rencananya tidak berubah: opsi Tampilkan dalam nilai hari ini, di samping hasil, membagi setiap angka dengan laju ini. [Asumsi: Tabungan dan jangka waktu] riskFreeRate: Suku Bunga Bebas Risiko (most important) Slider (%/thn). -10 to 25. Default 4.5. What spare cash earns, % a year, like a savings account or term deposit: the renter's deposit money and each year's surplus are invested at it. Use the local deposit or short government bond rate (about 4 to 5 in Australia in late 2026). With houseGrowth, it moves the answer most. Tip on the page: Imbal hasil per tahun atas kas yang menganggur, seperti tabungan atau deposito. Berlaku di semua skenario. horizon: Jangka waktu (most important) Slider (thn). 5 to 100. Default 30. The number of years compared. Use how long the user expects to stay; typical 10 to 30. [Asumsi: Pertumbuhan properti] houseGrowth: Kenaikan harga properti (RPPI) (most important) Slider (%/thn). -10 to 25. Default 5. How fast the home's price grows, % a year. Use a long-run figure for that kind of home in that city, below the boom years: about 3 to 4.5 in Australian capitals, lower for apartments. With riskFreeRate, it moves the answer most. Tip on the page: Kenaikan harga properti per tahun (RPPI). Menentukan ekuitas rumah dan harga beli Sewa Dulu. Kalkulator CAGR di bawah menghitungnya dari harga historis. sellingCostPct: Biaya penjualan Slider (% harga jual). 0 to 15. Default 2.5. Selling costs as a % of the sale price (agent, marketing, legal), taken off the home's value as if it were sold. Typical 2 to 3 in Australia, 5 to 7 in the USA. Tip on the page: Komisi agen, pemasaran, notaris, dan PPh penjual saat rumah dijual. Ekuitas rumah dan kekayaan bersih dihitung setelah biaya ini, seolah rumah dijual tahun itu. [Asumsi: Kas] initialCash: Modal awal (opsional) Amount ($ before it). 0 to 1,000,000,000,000. Default blank. Cash the user has today. Leave it out unless the user gives it: blank covers the deposit and setup cost, and the renter invests that same amount. Tip on the page: Kas yang Anda punya sekarang. Beli memakainya untuk DP dan biaya awal, Sewa menginvestasikan semuanya. Jika kosong, dipakai jumlah yang cukup untuk semua skenario, termasuk DP Sewa Dulu nanti. monthlyBudget: Anggaran perumahan bulanan (opsional) Amount ($ before it, /bln after it). 0 to 100,000,000,000. Default 0. Monthly cash for housing. 0 or blank (the default) is automatic: each year it follows whichever of renting and owning costs more, so both can pay and the cheaper one invests the difference. Set it only when the user gives a budget. Tip on the page: Kas bulanan untuk biaya perumahan. Jika kosong, mengikuti biaya skenario termahal tiap tahun, dengan cicilan di batas atas bunga floating, jadi semua skenario sanggup membayar. monthlyBudgetIncrease: Kenaikan anggaran tahunan Slider (%/thn). 0 to 25. Default 0. How fast a monthly budget the user set grows, % a year. Does nothing while monthlyBudget is automatic. Tip on the page: Menaikkan anggaran bulanan tiap tahun. Tidak berpengaruh selama anggaran otomatis, jadi isi anggaran di atas dulu. [Beside the results] showReal: Tampilkan dalam nilai hari ini Checkbox: true or false. Default true. Display only: true shows results in today's money (divided by generalInflation), false in future money. Leave it out. Tip on the page: Rencananya tetap sama. Aktif: semua angka dalam nilai hari ini, menurut inflasi umum. Nonaktif: dalam nilai uang tiap tahun, seperti yang tertera di rekening. COMPACT LISTS - `ratePeriods=:,:,...` - `ownSetupCosts=