⚡ Should you buy a home with cash or a mortgage?

Finn

This calculator helps homebuyers weigh the opportunity cost of paying cash versus taking out a mortgage. It smartly equalizes the cash flows between the two scenarios by assuming the would-be mortgage payment is invested monthly if you buy with cash. While this is a remix of a rent-versus-buy calculator, it completely overhauls the original formulas to tackle a brand new question. Keep in mind that the final "net worth" figures only show your liquid portfolio minus debt, omitting the value of the home itself.

Reviewed v26.7.6