Rent vs Buy Analyzer Ritual

Buying advantage over your horizon — net cost of owning — deposit, buying costs, every payment, minus the equity you leave with — against net cost of renting, with rent growth and what the deposit would have earned invested.

$17one-time · VAT included · no subscription

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✓Download page opens right after payment + links by e-mail. No account.

✓Excel 2016+ / Microsoft 365 · Google Sheets (upload to Drive)

✓Light + Dark · USD GBP EUR AUD CAD INR · PLN pricing — every edition in one download

✓Free updates forever · 14-day refund

Part of the Complete Collection — 119 workbooks, every edition, future releases, $99.

The ritual page

What the file tells you

Renting is not throwing money away and buying is not free — both cost something over the years you will stay. This sheet nets them out for any home you are looking at, including the equity you leave with and what your deposit would have earned invested, and says BUY, CLOSE, STRETCH or RENT.

01 · verdictMonthly — owning per month vs rent, share of take-home, what a rate shock does

02 · verdictWealth — net equity at exit vs the deposit invested instead; does it survive 0% appreciation

03 · verdictRisk — transaction costs, deposit size, years to stay

Sheets in the workbook

✓Analyzer · pick a home: buying advantage, three verdicts, three checks

✓Options · one line per home you could buy

✓Settings · your rent, income, horizon, investment return, buying and selling costs, payment cap

How it works

1Set your rent, income and horizon — plus the return your deposit earns invested, transaction costs, your payment cap

2Add each home as one line — price, deposit, rate, term, tax, maintenance, service charge, appreciation

3Pick a home on Analyzer — buying advantage, BUY / CLOSE / STRETCH / RENT, what to check

Who it is for

Renters looking at listings and wondering whether the maths actually works — for their income and their horizon.

Dark edition included

Rent vs Buy Analyzer Ritual — dark edition

Do I need Excel?

Excel 2016+ or Microsoft 365. Or upload the .xlsx to Google Drive — it opens in Sheets with formulas and charts intact.

Can I pay with BLIK?

Yes — BLIK, Przelewy24, any card, Apple Pay, Google Pay and PayPal. Prices in PLN, EUR, USD or GBP; the currency switch is at the top.

Invoice for my company?

Tick “I’m purchasing as a business” at checkout and enter your NIP / VAT ID. The invoice arrives with the download e-mail.

What if it isn’t for me?

14-day refund, no questions. One e-mail to [email protected].

Pairs well with

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