Home Purchase Scenario
Understand how a home purchase plays out over time.
Financial Calculator
Assumptions
Purchase
Financing
Holding period
Cash Outflows
Over 5 years
Total
$171k
Closing costs
$8,000
Mortgage interest
$101k
Property taxes
$42k
Non-recoverable
$171k
Monthly interest
$1,682
Monthly tax
$703
Effective cost
$2,852
Sale Scenarios
Different appreciation outcomes after 5 years
Scenario A
15% appreciation
Cash back
$133k
Sale
$460k
Costs
$28k
Balance
$300k
Scenario B
25% appreciation
Cash back
$170k
Sale
$500k
Costs
$30k
Balance
$300k
Scenario C
35% appreciation
Cash back
$208k
Sale
$540k
Costs
$32k
Balance
$300k
Custom scenario
$500k
$400kBreak-even: $551k$600k
Result
Cash back
$170k
Sale
$500k
Costs
$30k
Balance
$300k
Transparency
All calculations run locally in your browser. No accounts. No saved data unless you choose to export.
Disclaimer
This tool is for planning and exploration only. It simplifies taxes and does not replace professional advice.