Your inputs
Defaults reflect a high-income household in a high-cost market. Replace with your own numbers.
Advanced assumptions
Simplified estimate. We assume ~50% of pre-tax income is available for housing + investments (the rest goes to taxes and non-housing living costs), 3%/yr rent growth, 2.3%/yr owner carrying cost. The full model uses your real take-home pay, paystub calibration, and your household specifics.
Wealth ≠ Survivability
The free verdict above tells you who wins on wealth. The actual question — which path your household can survive without going house-poor — needs more than six numbers. The full model runs six cash-stress diagnostics, paystub-calibrated tax math, and tells you when the wealth leader is the wrong recommendation. Often it is.
Email me my 4-path breakdown
Plus a launch notification (model exits private beta soon), founding-member pricing for the first 100 signups, and the occasional essay on housing & household finance. No upsell sequence, no sharing.