Question 1

What does the Rent vs Own Sensitivity Tool do?

Accepted Answer

It compares several rent-versus-own scenarios side by side so you can see which assumptions — property price growth, mortgage rate, rent inflation, ongoing costs — move net equity, liquid cash, or accumulated cost the most. Free at https://tool.adjiebrotots.com/rentvsownhouse/sensitivity/.

Question 2

How is it different from the main Rent vs Own calculator?

Accepted Answer

The main calculator models one scenario in depth; the sensitivity tool lines up multiple scenarios in a single table to compare assumptions at a chosen year and metric.

Question 3

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

Accepted Answer

Enter an apartment and a house as separate scenarios and compare them side by side. They typically differ in price, capital growth, and ongoing costs such as strata or body-corporate fees, and the table shows how those differences change net wealth, cash, and accumulated cost over time — the kind of sensitivity analysis usually locked inside expensive bespoke property software.

Question 4

Is there a free alternative to expensive property-analyst or buyer's-agent scenario modelling?

Accepted Answer

Yes. The multi-scenario sensitivity analysis that property analysts, buyer's agents, and financial advisers normally build as bespoke spreadsheets or sell as a paid service — often costing thousands of dollars — is free here at https://tool.adjiebrotots.com/rentvsownhouse/sensitivity/, runs entirely in your browser, and exports to CSV with no account.

Question 5

Which assumption matters most to whether renting or buying wins?

Accepted Answer

Set up scenarios that vary one input at a time — house price growth, mortgage rate, rent inflation, investment return, or ongoing costs — and read the side-by-side table at your chosen year and metric to see which assumption moves net wealth the most. This stress-tests how robust a rent-or-buy decision really is.

Rent vs Own — Sensitivity Tool