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SaferWealth Calculator™

What's Safer? Owning or Renting?
We built this for priced-out Canadian home-buyers who are tired of being told that renting is ‘throwing money away’.
SaferWealth will show you how you can grow wealth and protect your family, even if you never buy a million-dollar home.
Change these inputs to get started!
RENT TO INVEST
(swapping ownership costs for stock investment
with investment insurance)
Estimated Annual Stock Investment Return %
Your Monthly Rent
(increasing at 2% annually)
Down Payment
Closing Costs
$$$
$$$
Initial Investment in Stock Market
$230,000
(Down Payment + Closing Costs)
Monthly Cash Outflow of Renting
(we will assume you keep your cash outflow the same)
$4,677
Investment Insurance Premiums per month
(Cash Outflow of Ownership - Monthly Rent)
$$$
-
$$$
=
$2,114
OWN TO INVEST
(mortgage payments and other ownership costs)
Home Purchase Price
Mortgage Rate % (APR)
(assuming a fixed % interest rate for 25 years and a term range of 1-7 years, the average being 5-year term)
Closing Costs % (of home price)
Down Payment %
(Error Message)
Closing Costs
$30,000
Mortgage Payment
$4,677
(based on a 25 year amortization)
Down Payment
$200,000
Monthly Expenses
$$$
(~ 1% of home price/12 months)
Monthly Cash Outflow of Ownership
$$$
+
$$$
=
$4,677
Here's the Results!
Wealth Accumulated...
(based on a 25 year amortization and policy year)
Home Appreciation | Owning | Renting | Winner | Advantage |
|---|---|---|---|---|
1.0% | $1,282,432 | $3,793,865 | Renting wins | +$2,511,433 |
2.0% | $1,640,606 | $3,793,865 | Renting wins | +$2,153,259 |
3.0% | $2,093,778 | $3,793,865 | Renting wins | +$1,700,087 |
4.0% | $2,665,836 | $3,793,865 | Renting wins | +$1,128,029 |
5.0% | $3,386,355 | $3,793,865 | Renting wins | +$407,510 |
Break-even (5.48%) | $3,793,865 | $3,793,865 | TIE | +$0 |
6.0% | $4,291,871 | $3,793,865 | Owning wins | $-498,006 |
7.0% | $5,427,433 | $3,793,865 | Owning wins | $-1,633,568 |
Based on the above, how high do you need annual home appreciation in Canada to be for you to break-even owning?
How realistic is that number in 2026?
I don't believe you,
SHOW ME THE NUMBERS!
Policy Year | Cash Value | Death Benefit |
|---|---|---|
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