Buy, Build or Invest Calculator

Property values and investment accounts are shown separately. Historical rent payments are expenses, not deducted again from assets. Existing land adds starting wealth. Housing savings assume both owned homes meet the same family need as the rented alternative.

Construction costs remain committed during the build and earn no assumed return. Completed building values are explicit valuation assumptions, not guaranteed resale prices. Construction-period home rent comes from salary. Investment-only capital is never withdrawn. During construction, displayed assets exclude work-in-progress valuation.

The rental operating allowance includes vacancies, taxes, management, repairs and reserves. Do not deduct these again. Rental debt begins repayment immediately, including during construction; the whole loan is assumed drawn at the start. Home and apartment purchases are cash-only in this first version.

Extra commuting covers fuel only. It excludes vehicle wear, parking, tolls and time. Ownership and extra fuel costs rise with the cost-growth assumption. Uninvested freed salary is excluded from investment balances, so different saving behaviours are not a pure asset-performance ranking. Monthly investment figures are annual contributions divided by twelve; deposits occur at year-end.