Support

Because the payment is not the cost. Property tax, insurance, maintenance, and HOA dues are on top of it, and none of them build equity. On the other side, the down payment and closing costs are money that could have been invested. The app compares what you would be left holding after cashing out — which is a different question from which monthly bill is smaller.

Usually not. Since the standard deduction rose, most households get no benefit from itemizing at all, and those who do only benefit by the amount their itemized deductions exceed the standard deduction. The app models that difference rather than the headline number. See the methodology.

Whatever you would genuinely do with the money. If it would sit in a savings account, use that rate. If it would go into a broad index fund and stay there, a long-run figure is more appropriate. The result is sensitive to this number, which is why it is worth trying a few.

They are approximations and they change every year. All of them are editable in the Taxes section. Please check them against your own circumstances — the app cannot know your situation, and it is not tax advice.

Scenarios are stored on your device only. There is no account, no server, and no sync today. That is also why nothing you enter is ever transmitted anywhere.

Use the share button on the Results screen — it produces a text summary of the inputs and the outcome. Paste that into an email along with what you expected, and it can usually be traced quickly.