Monthly Payment
Total Monthly
—
Mortgage + carrying costs
Net After Tax
—
With all deductions applied
5-Year Summary
Total Tax Savings
—
Interest + SALT deductions
Equity Built
—
Principal paid down
Savings vs. Renting
—
No appreciation assumed
Equity w/ 2% Appreciation
—
Principal + compound appreciation
Loan Amount
—
Down Payment
—
Monthly P&I
—
Deductible Principal
—
| Yr | Total Mo. | Net Mo. After Tax | Deductible Int. | Tax Savings | Rent | Savings vs Rent | Equity |
|---|
Assumptions: Rent increases 2.5%/yr · CC & taxes increase 2%/yr · 2% annual compound appreciation ·
Mortgage interest deduction limited to first $750k of loan principal (TCJA 2017) ·
SALT deduction capped at $20k (Married Filing Jointly) ·
Tax savings = (deductible interest + applicable deductions) × bracket.
For informational purposes only — not tax or financial advice.
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