{"name":"rent_vs_buy","title":"Rent vs Buy Calculator","category":"personal-finance","description":"Compare the N-year net cost of buying (mortgage, tax, upkeep, minus equity) vs renting, and find the breakeven year.","price_usd":0.001,"input_schema":{"type":"object","properties":{"home_price":{"type":"number","description":"Purchase price in USD"},"monthly_rent":{"type":"number","description":"Monthly rent for a comparable place in USD"},"years":{"type":"number","description":"How many years you'll stay (default 7)"},"down_payment":{"type":"number","description":"Down payment in USD"},"mortgage_rate":{"type":"number","description":"Mortgage rate as a PERCENT (default 6)"},"loan_term_years":{"type":"number","description":"Mortgage term in years (default 30)"},"property_tax_rate":{"type":"number","description":"Annual property tax as a PERCENT of value (default 1.1)"},"maintenance_rate":{"type":"number","description":"Annual maintenance as a PERCENT of value (default 1)"},"home_appreciation":{"type":"number","description":"Annual home appreciation as a PERCENT (default 3)"},"rent_inflation":{"type":"number","description":"Annual rent increase as a PERCENT (default 3)"},"closing_cost_pct":{"type":"number","description":"Closing costs as a PERCENT of price (default 3)"},"selling_cost_pct":{"type":"number","description":"Selling costs as a PERCENT of sale price (default 6)"}},"additionalProperties":false,"required":["home_price","monthly_rent"]}}