Terms of use

These terms apply to your use of Breakeven Home (breakevenhome.com). By using the site, you agree to them. If you don't agree, please don't use the site.

Education only, not advice

Breakeven Home is an educational tool. Nothing on it is financial, investment, tax, legal, or real estate advice, and using it doesn't create a professional relationship of any kind. We aren't a lender, mortgage broker, real estate agent, or financial advisor. Before making decisions, talk to qualified professionals who know your situation. Actual loan offers, costs, and tax treatment will differ from what's shown here.

Estimates, not guarantees

Results depend on the numbers you enter and on simplified assumptions, which are described on our About & methodology page. Future home prices, investment returns, interest rates, rents, and tax rules are uncertain. Odds are based on a simplified model of possible futures, not a prediction, and tipping points change one assumption at a time. We work to keep the calculations correct and the data current, but we don't guarantee that any result is accurate, complete, or up to date.

Using the site

You may use Breakeven Home for your own personal, non-commercial purposes. Please don't:

• overload, attack, or disrupt the site or the servers behind it;
• send automated requests at a volume that burdens the service, or try to get around its limits;
• use the site for anything unlawful.

We may limit or block access that doesn't follow these terms.

Content and sharing

The site, its design, text, and code belong to Breakeven Home. You're welcome to share links to the site and to share the results of your own scenarios.

Links and sponsored offers

The site may link to other websites, including clearly labeled sponsored offers, and we may earn a commission when you use one. Sponsored offers never change the calculations or results. We don't control other websites and aren't responsible for their content, products, or services.

No warranty

The site is provided "as is" and "as available," without warranties of any kind, whether express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement. We don't promise the site will always be available or free of errors.

Limitation of liability

To the fullest extent the law allows, Breakeven Home and the people who run it aren't liable for any indirect, incidental, special, consequential, or punitive damages, or for any losses resulting from decisions made using the site. Our total liability for any claim relating to the site is limited to $100. Some places don't allow certain limitations of liability, so some of these may not apply to you.

Changes

We may change or discontinue the site, or update these terms, at any time. When we update the terms, we'll change the date at the top. Continuing to use the site after a change means you accept the updated terms. See also our privacy policy.