Rent or Mortgage Affordability Spreadsheet Check
Check arithmetic in a housing cost comparison.
Added October 15, 2026. Written with AI assistance and checked for clarity and placeholders; not reviewed by a lawyer, accountant, clinician or other professional. How these prompts are made
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[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it (what [VERIFY] means).
Check my housing cost comparison. The spreadsheet or list of costs for renting versus buying or two properties, including deposits, fees, insurance, maintenance and taxes: [HOUSING_COSTS]. My assumptions about time horizon: [HORIZON]. Income as I want to share it: [INCOME_SHARED]. Verify the arithmetic, find costs left out, check that figures are comparable per month and over the horizon, and test sensitivity to one key assumption. Do not recommend buying or renting. Return a table with Item, Option A, Option B and Note, and questions for a mortgage adviser or tax professional. This is education; costs and rules are [VERIFY] for [JURISDICTION]. Also suggest including a scenario where income falls or rates change, and flag any figure that is a guess so I can replace it with a quote. Treat every figure here as an input I supplied, not a verified fact. Show the arithmetic, tag accounting and tax treatment [VERIFY] for [JURISDICTION], and name the professional who should confirm each point before I rely on it.
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