How it works
My MoneyThe day-to-day engine — what comes in, goes out, and what you may be owed.My AssetsEverything you own, valued and reconciled in one place.My PlansForward-looking projections for tax, estate, retirement and budget.My ToolsYour whole picture read in one place — the moves worth considering, in order.My DetailsAccounts, documents and settings that power the whole system.
Learning LibraryPlain-language lessons across every money topic — read, watch, and go as deep as you want.OWN YouthFinancial literacy for the next generation — built for youth, parents and teachers.
About OWN
Join the waitlist

Territory 07 · Property & home

Make the biggest commitment with your eyes open.

Property, mortgages and the rent-or-buy question deserve scenario thinking, not gut feel. Turn large, emotional decisions into ones with visible trade-offs and a clear total cost.

$2,140 — estimated monthly carrying cost of a first-home scenario in this sample — before maintenance and the things that aren't the mortgage.

Lessons

  • How a mortgage actually works — Core · 6 min read
  • Rent or buy: what must be true to own — Core · 6 min read
  • Fixed vs. variable: what you're really buying — Easy · 5 min read
  • The hidden cost of a low monthly payment — Easy · 4 min read

Reads

  • Renting vs. buying: the honest comparison — Featured · 6 min read
  • A mortgage is not just a housing decision — Article · 5 min read
  • What the down payment really decides — Article · 4 min read

Charts

  • Rent vs. buy scenario — Test the assumptions
  • Mortgage amortization — See where the money goes
  • Carrying cost breakdown — See how this reads for the sample household

Open Real Estate in the app