RentBuy.org

Compare renting and buying

RentBuy.org compares renting and buying a home over 30 years, in US dollars, using the same model as the rentbuy.org website. Ask your AI to open the interactive calculator in the conversation: edit purchase, mortgage, rental, investment and simplified US tax assumptions, see net-worth and spending charts, and read a year-by-year report.

What you can ask

Open the rent vs buy calculator for a $600,000 home and $3,000 monthly rent.
Example path

MCP connector

Server URL: https://rentbuy.org/api/mcp
Login: None
Protocol: MCP 2026-07-28
Instructions: Rentbuy.org rent-vs-buy calculator. Compares 30 years of buying a home against renting and investing, with taxes and one-time costs, using exactly the model behind rentbuy.org (engine 1.3.2, 2026 US federal tax tables). Units: money in USD, rates in percent points (mortgageRate 6.5 means 6.5%). Every input is optional; missing ones take the site defaults ($800k home, 20% down, 6.5% for 30 years, $3,500 rent, 7% return, $200k income married jointly). Giving householdIncome or filingStatus pre-fills federalTaxRate and standardDeduction unless you set them. Tools: (one case, optional yearly detail), (up to 10 named variants with deltas), (vary one or two inputs, get the crossover). Read resource rentbuy://defaults for field meanings and ranges. All tools are read-only, deterministic and fast; prefer one sweep or compare call over many single runs. Interactive UI: and show a result card in the conversation, and its Open calculator button shows the full calculator; can also open in the host's sidebar where it has one. Pass the current scenario inputs and one-time costs. The UI shares its current resolved inputs and results as model context; use those for follow-up questions, rather than reverting to defaults. Monte Carlo simulations run in the UI and are not included in its deterministic scenario context. Results: "difference" is buyer minus renter net worth at year 30 after selling costs; yearly net worth is before selling costs. Not modeled: SALT cap, mortgage-interest limit, PMI, capital gains.

Tools

Reads data4

Skills

None in the store listings or on the server

MCP connector

Server URL

https://rentbuy.org/api/mcp

None

Protocol

MCP 2026-07-28

Instructions

Rentbuy.org rent-vs-buy calculator. Compares 30 years of buying a home against renting and investing, with taxes and one-time costs, using exactly the model behind rentbuy.org (engine 1.3.2, 2026 US federal tax tables). Units: money in USD, rates in percent points (mortgageRate 6.5 means 6.5%). Every input is optional; missing ones take the site defaults ($800k home, 20% down, 6.5% for 30 years, $3,500 rent, 7% return, $200k income married jointly). Giving householdIncome or filingStatus pre-fills federalTaxRate and standardDeduction unless you set them. Tools: (one case, optional yearly detail), (up to 10 named variants with deltas), (vary one or two inputs, get the crossover). Read resource rentbuy://defaults for field meanings and ranges. All tools are read-only, deterministic and fast; prefer one sweep or compare call over many single runs. Interactive UI: and show a result card in the conversation, and its Open calculator button shows the full calculator; can also open in the host's sidebar where it has one. Pass the current scenario inputs and one-time costs. The UI shares its current resolved inputs and results as model context; use those for follow-up questions, rather than reverting to defaults. Monte Carlo simulations run in the UI and are not included in its deterministic scenario context. Results: "difference" is buyer minus renter net worth at year 30 after selling costs; yearly net worth is before selling costs. Not modeled: SALT cap, mortgage-interest limit, PMI, capital gains.