RRENTERS · FIRST-TIME BUYERS · $ rent-vs-buy --wealth
Stop renting. Start compounding. See the exact year buying wins.
Models 25-year amortization at the global 4.8% BoC target. All math is transparent — open src/lib/finance.ts.
▮ inputslive · auto-save
$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
▮ output stream● computed
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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