How to compare financing now with saving
The financing scenario uses starting capital as the down payment and calculates payments with Brazilian SAC or the Price system. The home is acquired now while loan interest affects cash outflow.
In the waiting scenario, the same capital starts invested. Each month it earns a return, receives end-of-month savings, and is compared with the appreciated cash price.
The first month when the unrounded balance reaches the unrounded price is the estimated cash-purchase time under the assumptions.
Does SAC or Price change the saving path?
Brazilian SAC generally starts with higher decreasing payments; Price keeps payments close to level. The choice changes only the financing summary, not the saving path.
Why is rent not deducted from savings?
The savings field means what remains to invest after that month's rent. Rent is projected separately as occupancy cost and is not subtracted again.
What the horizon means
The horizon limits the displayed search to 1,200 months. Missing the goal there does not automatically mean never; the calculator says never only when a conservative proof establishes it under constant assumptions.
Methodology and limits
Effective annual rates become monthly factors. Existing capital earns before the month-end deposit; the price appreciates through the same month; that month's rent is paid and summed separately.
The never proof compares growth orders and, when appreciation exceeds returns, checks the future mathematical maximum of the balance-to-price ratio. Equality or numerical uncertainty never becomes a never claim.
The projection keeps rates and savings constant and omits inflation, investment taxes, liquidity, risk, maintenance, property taxes, purchase costs, and moving costs.
Educational sources
These sources support compound growth, payments, and planning concepts; they do not forecast rates or prescribe this decision.
Links accessed August 20, 2026.
The CFPB material is from the United States and is used only as educational context; it does not describe Brazilian lending rules.
Scenario privacy
Calculation and share state run in your browser. A shared URL contains the entered amounts, so review it before sending. Favorites follow the existing account behavior.
Related calculators
Use these tools to examine parts of the comparison.
Important notice
A deterministic educational estimate, not financial, investment, or credit advice or a promise of returns, appreciation, rent, approval, or future price. Compare actual CET, fees, taxes, insurance, liquidity, risk, and household budget with qualified professionals.
Frequently asked questions
Is it better to finance or wait for a cash purchase?
There is no universal answer. Financing brings housing forward and charges interest; waiting avoids the loan but requires rent, disciplined saving, and following a price that may rise.
How do I calculate the time to buy a home with cash?
Project capital monthly, add savings at month-end, and compare it with the appreciated property price. The first crossing month is the estimated time.
Can property appreciation outpace my investments?
Yes. Contributions may or may not offset faster price growth. The calculator searches for a crossing and uses a conservative proof before claiming it never occurs under the assumptions.
Does SAC or Price change the saving simulation?
No. SAC or Price changes the financing payments and interest only; the cash-purchase trajectory is unchanged.
Is rent deducted from monthly savings?
Not again. Enter the amount left after rent. Rent is accumulated separately as cost context.
Does the simulation include CET, taxes, and purchase costs?
No. It uses loan principal and interest and omits CET, insurance, fees, taxes, registration, maintenance, and other costs.
What does never reached under these assumptions mean?
A mathematical proof using the entered constant rates and savings found a limit below the price. It is not certainty about markets or your finances.