Home Buying Timeline Calculator

Buy now or wait? Compare the financial impact of buying a home today with Crib Equity versus waiting.

💰 Your Current Financial Picture

What's your total household income (before taxes)?Your current down payment savings?How much can you set aside for savings each year?ⓘWhat return rate do you expect from your savings?ⓘ

🏠 Your Home Purchase Goals

What's the price of homes you're looking to buy?What mortgage rate are you expecting?

How many years will you save to buy on your own?ⓘHow much will home prices increase each year?ⓘ

The Financial Picture After 6 Years

How buying now with Crib Equity compares to waiting.

✓Lower mortgage amount$400,000 vs. $596,246

✓Lower mortgage payment$2,797 vs. $4,169

✓Greater net worth$217,822 vs. $113,013

Buying now could save you $1,372 on your monthly mortgage payment. That's $16,466 per year and the future wait payment is 49% higher than buying now.

Build Your Wealth

Based on your assumptions, your net worth could be 93% higher by buying now. That means turning $50,000 into $217,822 in just 6 years.

*PITI assumes property tax and insurance at 1.5% of purchase price.

This calculator is for educational purposes only and is based on the information you provide. Actual rates, payments, appreciation, and returns vary and are not guaranteed. Crib Equity does not make loans and this is not a commitment to lend or an offer of investment.