Spreadsheet: 94440d1294253246-charting-time-series-based-on-different-scenarios-sample
Sheet: Mortgatge vs Savings

 |  |  | Mortgage Settings
 |  |  | Property Value |  | 250000
 |  |  | Deposit |  | 20000
 |  |  | Initial Principle
 |  |  | Term in years |  | 10
 |  |  | Term in months)
 |  |  | Annual Interest |  | 0.03
 |  |  | Monthly Interest
 |  |  | Monthly Payment
 |  |  | Annual property rise |  | 0.04
 |  |  | Saving Settings
 |  |  | Annual Interest |  | 0.02
 |  |  | TAX on Interest |  | 0.4
 |  |  | Mortgage |  |  |  |  |  |  |  |  | Rent and comparative savings |  |  |  |  |  | Comparison
 | Years 1- 3 |  |  |  | (Interest calculated monthly) |  |  |  |  |  |  | (Interest calculated monthly)
 |  |  | Period | Principle | Interest | MtyPay | Balance | ~ House Value | ~ Equity |  | Period | Rent | Saving | Interest | Tax on Int | Equity |  | Rent vs Mortgage | Mortgage vs Rent
 |  |  | - |  |  |  |  |  |  |  | -
 |  |  | 1 |  |  |  |  |  |  |  | 1 | -800
 |  |  | 2 |  |  |  |  |  |  |  | 2 | -800
 |  |  | 3 |  |  |  |  |  |  |  | 3 | -800
 |  |  | 4 |  |  |  |  |  |  |  | 4 | -800
 |  |  | 5 |  |  |  |  |  |  |  | 5 | -800
 |  |  | 6 |  |  |  |  |  |  |  | 6 | -800
 |  |  | 7 |  |  |  |  |  |  |  | 7 | -800
 |  |  | 8 |  |  |  |  |  |  |  | 8 | -800
 |  |  | 9 |  |  |  |  |  |  |  | 9 | -800
 |  |  | 10 |  |  |  |  |  |  |  | 10 | -800
 |  |  | 11 |  |  |  |  |  |  |  | 11 | -800
 |  |  | 12 |  |  |  |  |  |  |  | 12 | -800
 |  |  | 13 |  |  |  |  |  |  |  | 13 | -800
 |  |  | 14 |  |  |  |  |  |  |  | 14 | -800
 |  |  | 15 |  |  |  |  |  |  |  | 15 | -800
 |  |  | 16 |  |  |  |  |  |  |  | 16 | -800
 |  |  | 17 |  |  |  |  |  |  |  | 17 | -800
 |  |  | 18 |  |  |  |  |  |  |  | 18 | -800
 |  |  | 19 |  |  |  |  |  |  |  | 19 | -800
 |  |  | 20 |  |  |  |  |  |  |  | 20 | -800
 |  |  | 21 |  |  |  |  |  |  |  | 21 | -800
 |  |  | 22 |  |  |  |  |  |  |  | 22 | -800
 |  |  | 23 |  |  |  |  |  |  |  | 23 | -800
 |  |  | 24 |  |  |  |  |  |  |  | 24 | -800
 |  |  | 25 |  |  |  |  |  |  |  | 25 | -800
 |  |  | 26 |  |  |  |  |  |  |  | 26 | -800
 |  |  | 27 |  |  |  |  |  |  |  | 27 | -800
 |  |  | 28 |  |  |  |  |  |  |  | 28 | -800
 |  |  | 29 |  |  |  |  |  |  |  | 29 | -800
 |  |  | 30 |  |  |  |  |  |  |  | 30 | -800
 |  |  | 31 |  |  |  |  |  |  |  | 31 | -800
 |  |  | 32 |  |  |  |  |  |  |  | 32 | -800
 |  |  | 33 |  |  |  |  |  |  |  | 33 | -800
 |  |  | 34 |  |  |  |  |  |  |  | 34 | -800
 |  |  | 35 |  |  |  |  |  |  |  | 35 | -800
 |  |  | 36 |  |  |  |  |  |  |  | 36 | -800
 | Years 3 - 5 |  | 37 |  |  |  |  |  |  |  | 37 | -800
 |  |  | 38 |  |  |  |  |  |  |  | 38 | -800
 |  |  | 39 |  |  |  |  |  |  |  | 39 | -800
 |  |  | 40 |  |  |  |  |  |  |  | 40 | -800
 |  |  | 41 |  |  |  |  |  |  |  | 41 | -800
 |  |  | 42 |  |  |  |  |  |  |  | 42 | -800
 |  |  | 43 |  |  |  |  |  |  |  | 43 | -800
 |  |  | 44 |  |  |  |  |  |  |  | 44 | -800
 |  |  | 45 |  |  |  |  |  |  |  | 45 | -800
 |  |  | 46 |  |  |  |  |  |  |  | 46 | -800
 |  |  | 47 |  |  |  |  |  |  |  | 47 | -800
 |  |  | 48 |  |  |  |  |  |  |  | 48 | -800
 |  |  | 49 |  |  |  |  |  |  |  | 49 | -800
 |  |  | 50 |  |  |  |  |  |  |  | 50 | -800
 |  |  | 51 |  |  |  |  |  |  |  | 51 | -800
 |  |  | 52 |  |  |  |  |  |  |  | 52 | -800
 |  |  | 53 |  |  |  |  |  |  |  | 53 | -800
 |  |  | 54 |  |  |  |  |  |  |  | 54 | -800
 |  |  | 55 |  |  |  |  |  |  |  | 55 | -800
 |  |  | 56 |  |  |  |  |  |  |  | 56 | -800
 |  |  | 57 |  |  |  |  |  |  |  | 57 | -800
 |  |  | 58 |  |  |  |  |  |  |  | 58 | -800
 |  |  | 59 |  |  |  |  |  |  |  | 59 | -800
 |  |  | 60 |  |  |  |  |  |  |  | 60 | -800
 | Years 5 - 8 |  | 61 |  |  |  |  |  |  |  | 61 | -800
 |  |  | 62 |  |  |  |  |  |  |  | 62 | -800
 |  |  | 63 |  |  |  |  |  |  |  | 63 | -800
 |  |  | 64 |  |  |  |  |  |  |  | 64 | -800
 |  |  | 65 |  |  |  |  |  |  |  | 65 | -800
 |  |  | 66 |  |  |  |  |  |  |  | 66 | -800
 |  |  | 67 |  |  |  |  |  |  |  | 67 | -800
 |  |  | 68 |  |  |  |  |  |  |  | 68 | -800
 |  |  | 69 |  |  |  |  |  |  |  | 69 | -800
 |  |  | 70 |  |  |  |  |  |  |  | 70 | -800
 |  |  | 71 |  |  |  |  |  |  |  | 71 | -800
 |  |  | 72 |  |  |  |  |  |  |  | 72 | -800
 |  |  | 73 |  |  |  |  |  |  |  | 73 | -800
 |  |  | 74 |  |  |  |  |  |  |  | 74 | -800
 |  |  | 75 |  |  |  |  |  |  |  | 75 | -800
 |  |  | 76 |  |  |  |  |  |  |  | 76 | -800
 |  |  | 77 |  |  |  |  |  |  |  | 77 | -800
 |  |  | 78 |  |  |  |  |  |  |  | 78 | -800
 |  |  | 79 |  |  |  |  |  |  |  | 79 | -800
 |  |  | 80 |  |  |  |  |  |  |  | 80 | -800
 |  |  | 81 |  |  |  |  |  |  |  | 81 | -800
 |  |  | 82 |  |  |  |  |  |  |  | 82 | -800
 |  |  | 83 |  |  |  |  |  |  |  | 83 | -800
 |  |  | 84 |  |  |  |  |  |  |  | 84 | -800
 |  |  | 85 |  |  |  |  |  |  |  | 85 | -800
 |  |  | 86 |  |  |  |  |  |  |  | 86 | -800
 |  |  | 87 |  |  |  |  |  |  |  | 87 | -800
 |  |  | 88 |  |  |  |  |  |  |  | 88 | -800
 |  |  | 89 |  |  |  |  |  |  |  | 89 | -800
 |  |  | 90 |  |  |  |  |  |  |  | 90 | -800
 |  |  | 91 |  |  |  |  |  |  |  | 91 | -800
 |  |  | 92 |  |  |  |  |  |  |  | 92 | -800
 |  |  | 93 |  |  |  |  |  |  |  | 93 | -800
 |  |  | 94 |  |  |  |  |  |  |  | 94 | -800
 |  |  | 95 |  |  |  |  |  |  |  | 95 | -800
 |  |  | 96 |  |  |  |  |  |  |  | 96 | -800
 | Years 8 - 10 |  | 97 |  |  |  |  |  |  |  | 97 | -800
 |  |  | 98 |  |  |  |  |  |  |  | 98 | -800
 |  |  | 99 |  |  |  |  |  |  |  | 99 | -800
 |  |  | 100 |  |  |  |  |  |  |  | 100 | -800
 |  |  | 101 |  |  |  |  |  |  |  | 101 | -800
 |  |  | 102 |  |  |  |  |  |  |  | 102 | -800
 |  |  | 103 |  |  |  |  |  |  |  | 103 | -800
 |  |  | 104 |  |  |  |  |  |  |  | 104 | -800
 |  |  | 105 |  |  |  |  |  |  |  | 105 | -800
 |  |  | 106 |  |  |  |  |  |  |  | 106 | -800
 |  |  | 107 |  |  |  |  |  |  |  | 107 | -800
 |  |  | 108 |  |  |  |  |  |  |  | 108 | -800
 |  |  | 109 |  |  |  |  |  |  |  | 109 | -800
 |  |  | 110 |  |  |  |  |  |  |  | 110 | -800
 |  |  | 111 |  |  |  |  |  |  |  | 111 | -800
 |  |  | 112 |  |  |  |  |  |  |  | 112 | -800
 |  |  | 113 |  |  |  |  |  |  |  | 113 | -800
 |  |  | 114 |  |  |  |  |  |  |  | 114 | -800
 |  |  | 115 |  |  |  |  |  |  |  | 115 | -800
 |  |  | 116 |  |  |  |  |  |  |  | 116 | -800
 |  |  | 117 |  |  |  |  |  |  |  | 117 | -800
 |  |  | 118 |  |  |  |  |  |  |  | 118 | -800
 |  |  | 119 |  |  |  |  |  |  |  | 119 | -800
 |  |  | 120 |  |  |  |  |  |  |  | 120 | -800