Comparison guides

Plain-English breakdowns of the choices Calcly's calculators help you model. Each one shows the math, walks through the trade-offs, and links the calculators that matter.

Home

8 min read

Rent vs Buy: When does buying actually pay off?

The break-even isn't 'when the mortgage is cheaper than the rent' — it's about transaction costs, taxes, opportunity cost, and how long you stay.

7 min read

15-year vs 30-year mortgage: which is the better deal?

A 15-year mortgage costs roughly half the total interest of a 30-year one. The trap is whether the higher payment crowds out higher-return uses of the same money.

Retirement

6 min read

Roth vs Traditional IRA: which one wins?

It comes down to one question: is your tax rate in retirement higher or lower than today's? Most people guess wrong about which.

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