Not a guess. Not a sales pitch. Roby models renting + investing versus buying a home with state-specific data and honest numbers.
Download for iPhoneMost calculators only show one scenario. Roby runs both in parallel so you can see the real trade-offs.
The details that actually change the answer.
Find the exact year buying overtakes renting, and the mortgage rate where both options produce equal outcomes.
Property tax rates, insurance costs, and median home prices for all 50 states auto-filled from real data sources.
See what happens when you invest the down payment, closing costs, and monthly savings instead of buying. Compound returns over 30 years.
Deep-dive breakdowns: where your payment goes each month, hidden costs, equity vs. investment growth, and the levers that change the outcome.
Conventional, FHA, and VA with accurate PMI removal at 20% equity, permanent MIP for FHA, and VA funding fees. 15, 20, or 30-year terms.
Switch between nominal and inflation-adjusted values to see your true purchasing power over time. Because $500k in 2056 isn't $500k today.
Roby is a financial illustration tool. It does not constitute financial, legal, or tax advice. All calculations are estimates based on the inputs you provide. Consult a qualified professional before making financial decisions.