RRENTERS · FIRST-TIME BUYERS · Rent or buy calculator
Stop renting. Start compounding. See the exact year buying wins.
Models a 25-year mortgage at the current 4.8% planning rate. Adjust every assumption to fit your situation.
Your numbersUpdates as you change them
$1,950
What you pay your landlord today
$389,500
Conception Bay median: $389,500
10% · $38,950
Minimum 5% under $500k, 10% above
4.2%
NL 10-yr historical avg: ~4.2%
7 yr
Canadian median home tenure: 7 years
Your resultCalculated now
Wealth advantage of buying
$77,623
vs. continuing to rent for 7 years
Future home value$519,495
Equity built$100,296
Remaining mortgage$289,204
Maintenance over period$27,265
Total rent sunk$163,800
Est. monthly mortgage$2,009/mo
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