Scenario A
Buy early, invest less, mortgage attack (preset editable)
Cross-System Scenario Compare
Scenario Compare Engine (A vs B)
Compare two strategy estimates across property path, investing path, retirement readiness, net worth, and resilience risk. Results update live as you change assumptions.
General information only. All numbers are educational estimates and not financial, mortgage, or tax advice.
Optional command center jump: /financial-command-center#scenario-compare
Scenario B
Rent longer, invest hard, delay property (preset editable)
Headline differences (estimates)
- Scenario A reaches homeownership in 2 years (estimate); Scenario B in 0 years (immediate estimate).
- Scenario B has a higher portfolio at age 50 by CAD 1,769,145 (estimate).
- Mortgage-free age (estimate): A age 55, B not reached (estimate).
- Risk score (estimate): A 32/100 vs B 6/100.
- Scenario B: Rent longer + invest hard is stronger under your assumptions (estimate).
Net Worth at Retirement
Scenario B: Rent longer + invest hard (estimate)
Retirement Readiness
Scenario B: Rent longer + invest hard (estimate)
Lower Risk Score
Scenario B: Rent longer + invest hard (estimate)
Liquidity Months
Scenario A: Buy early + mortgage attack (estimate)
Net worth at retirement
A: CAD 2,351,065
B: CAD 5,527,156
Retirement readiness score
A: 23/100
B: 100/100
Risk score
A: 32/100
B: 6/100
Liquidity months at retirement
A: 12.4
B: 11.7
Scenario B: Rent longer + invest hard is stronger under your assumptions (estimate).
General information only. All numbers are educational estimates and not financial, mortgage, or tax advice.
Saved profiles
No saved scenario compare profiles yet.
FAQ
Is this tool financial, tax, or mortgage advice?
No. All outputs are educational estimates only and should be reviewed with qualified professionals.
How far does the simulation run?
The model simulates year-by-year from current age to retirement age (10 to 30 years).
Can I compare renting and buying strategies?
Yes. Each scenario can represent buying early, buying later, or renting for the full horizon.
How is mortgage modeling handled?
The mortgage path uses a simplified amortization estimate with transparent assumptions and optional prepayments.
What does retirement readiness mean here?
Readiness compares projected investable assets to an estimated required asset base from target retirement income and withdrawal rate.
What is included in risk scoring?
Risk score blends liquidity, debt burden, concentration, and stress sensitivity with alerts.
Can guests save scenarios?
Yes. Guests save to session. Signed-in users save profiles in database.
How should I use the “stronger” result?
Treat it as “stronger under your assumptions” only, not a universal recommendation.
General information only. All numbers are educational estimates and not financial, mortgage, or tax advice.