Matt BrevnerPERSONAL REAL ESTATE CORPORATIONLet’s Talk

THE OWN SOMETHING CALCULATOR

Run the numbers the way we would.

Your inputs

Adjust anything — results update live.

Years to project

Your monthly reality

All-in / month

$2,691

Mortgage

$2,208

Cash to close*

$51,599

After 5 years

Total rent paid$127,419
Home value (after appreciation)$598,174
Mortgage principal paid down$44,585
Equity built (principal + value change)$126,769
Total equity if you own (includes your down payment)$178,368
The 5-year equity built$126,769
Owner equity built
Rent paid

Rent paid + potential equity built over 5 years

$254,188

Every rent cheque ($127,419) plus the $126,769 of equity an owner could build on these assumptions. An illustrative comparison — not cash spent, and not guaranteed wealth. Your down payment is excluded; it stays yours either way.

*Cash to close shown is the down payment; add ~1–2% for closing costs & PTT. Values may fall as well as rise; a renter may also save or invest.

Estimates only — for planning, not advice. Illustrative, in Canadian dollars. Fixed rate for the whole period, compounded semi-annually (Canadian fixed-mortgage convention); renewals, selling costs, income/capital-gains taxes, maintenance not entered, and opportunity costs are excluded. Equity and ROI are before selling costs and are not a return guarantee or investment recommendation. Nothing you enter is sent or saved. Let's run yours together.

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