Two free calculators to cut through the real-estate math: see whether renting or buying actually wins for your situation, and compare the true monthly cost of a 3.5% down payment with PMI against putting 20% down. Built by Simply Spreadsheets — trusted by small business owners and real estate investors.
Two Calculators, One Click Away
Run the math on whether to rent or buy, and compare a 3.5% down payment plus PMI against putting 20% down. No email required.
Launch the Free Calculators →Rent vs. Buy Analysis
Cuts through the noise: compares your real monthly cost of owning (mortgage, taxes, insurance, maintenance, PMI) against renting, factors in home appreciation and the opportunity cost of your down payment, and tells you the break-even year for your situation.
3.5% + PMI vs. 20% Down
Side-by-side comparison of a low FHA-style down payment (with PMI) against the conventional 20%. Shows monthly payment difference, when PMI drops off, total interest paid, and which scenario actually wins financially over your hold period.
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Book a Free 30-Min Call See ServicesHeads up: These calculators are for educational purposes only and don’t constitute financial, tax, or legal advice. Always consult a licensed mortgage professional, CPA, or financial advisor before making a major housing decision.
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