HOW IT WORKS
Five inputs. One screen. A verdict.
Most rent-vs-buy tools show you a generic chart and call it advice. Tenure runs the actual ten-year cost path for your situation, then tells you where the lines cross.
Pick a city
We seed defaults from real local data — median home price, property tax, insurance, rent. Not nationwide averages.
Tell us about your household
Income, filing status, dependents. Tax treatment matters: a Texas single filer and an MFJ couple in California get different math.
Add your money picture
Cash on hand, monthly savings capacity, current rent, target home price, expected stay. We assume nothing.
Run the simulation
We compute mortgage amortization, PMI removal at 78% LTV, mortgage interest deduction (post-SALT cap), capital-gains exclusion on sale, and the opportunity cost of your down payment if invested instead.
Read the verdict
BUY, RENT, or TOO CLOSE. With the year buying overtakes renting, three sensitivity sliders, and — if needed — a list of changes that flip the verdict.