Hyphaenated Labs

Home Purchase Impact

Jim & Loren · scenario model
↳ mortgage calculator ◑ analyzed separately per person Property loaded
listing photo
Bellingham, WA 98229
Property tax
0.92%
of value / yr
Insurance est.
$2,400
/ yr
Monthly housing
$5,284/mo
vs. renting now
+$2,384/mo
Left to live & save
$8,416/mo

Monthly

What it costs / month
Mortgage (P&I)$3,885
Property tax$574
Insurance$200
Maintenance %/yr $624
Total$5,284
JimLoren
Net income $7,400$6,300
− Housing share −$2,642−$2,642
Housing % of net 36% 42%
Left to live & save $4,758$3,658
↓  Impact — how this purchase plays out

Retirement projection

each person, after purchase
Jim
age 55 · retire at 65 · live to 90
Spendable savings last
buying 90
renting 90
Net worth vs. renting
+$806,541
Home equity (locked)
$1.20M
Loren
age 52 · retire at 64 · live to 92
Spendable savings last
buying 92
renting 92
Net worth vs. renting
+$699,786
Home equity (locked)
$903,829
Spendable savings over time — does it last? Spendable — buying Spendable — renting Home equity (locked)
$0$500k$1M$1.5M$2M Retire
55616573788490
$0$500k$1M$1.5M Retire
5258646975818692
Planner worksheet — client profile & assumptions — inputs for a rent-vs-buy analysis

The numbers a planner needs to weigh buying vs renting for this household. Only a few assumptions really drive it: how your money grows in the market, how the home appreciates, and what renting costs.

1 · Client household

J Jim
Today
yrs
$/mo
Investable assets
$
$
$
$810,000
Retirement plan
yrs
age
$/mo
$/mo
L Loren
Today
yrs
$/mo
Investable assets
$
$
$
$605,000
Retirement plan
yrs
age
$/mo
$/mo

2 · Property & loan — set in the Deal & Config panels above

$749,000
$150,000
6.75%
30 yr
0.92%/yr
$2,400/yr
1%/yr

3 · Assumptions — the levers that decide it

%/yr
%/yr
%/yr
%/yr
%

Appreciation tapers from the early rate to the long-run rate over ~15 years — a house rarely compounds forever. The tax rate applies the mortgage-interest & property-tax deduction, which matters more once appreciation flattens.

How it works: each person is modeled independently — their down payment comes out of their own investable assets. Wealth = remaining investments + their share of home equity (appreciating value − mortgage balance). Whether they can retire is judged on spendable savings only: home equity is a locked backstop reachable only by selling, downsizing, reverse-mortgaging, or refinancing. Renting keeps the full portfolio invested and pays inflating rent. Illustrative estimate — not financial advice. Profile source: default.