FIVE-YEAR HOUSEHOLD DECISION
Renovate this home—or reset somewhere else?
Compare project costs, transaction cash, mortgage reset and ongoing ownership on one transparent timeline.
Build the comparison ↓Price both paths with the same level of honesty.
Saved Home Ledger figures load automatically when available. Nothing is uploaded.
Buy & move
Renovating uses less household cash in this plan.
The modeled gap is $114,862, before the uncertainty range.
READ THE RESULT CORRECTLY
Cash leaving the household is not the same as wealth lost.
Down payment and mortgage principal may build equity. This tool shows liquidity pressure and recurring carrying cost; it does not forecast appreciation, resale value, tax consequences or sale proceeds. Verify lending, tax, insurance and contractor figures before deciding.
What this planner does—and does not do.
Does the comparison include home appreciation?
No. It is a cash-flow planning comparison, not an investment return forecast. Appreciation, sale proceeds and resale value are deliberately excluded.
Is a down payment treated as a cost?
It appears in cash needed at move-in, while the results separately warn that down payment and mortgage principal can build equity.
Can I use saved projects?
Yes. Project Board costs stay in your browser and can be loaded into the renovation plan using actual, quoted or expected cost in that order.
