F-047: Rent vs Buy Calculator

Status: In Progress · Priority: P1 · Branch: feature/F-047-rent-vs-buy · Updated: Mar 9, 2026

Summary

Pure frontend calculator helping Montrealers decide whether to rent or buy. Quebec-specific: welcome tax (droits de mutation) brackets, notary fees, CMHC insurance thresholds, TAL rent increase rates. Shows break-even timeline, monthly cost comparison, and year-by-year cost breakdown with recharts visualization.

Requirements

• [ ] Dedicated page at /rent-vs-buy
• [ ] All inputs prefilled with Montreal defaults
• [ ] Quebec-specific: welcome tax brackets, notary fees, CMHC insurance
• [ ] Break-even chart showing when buying becomes cheaper
• [ ] Monthly cost comparison (rent vs all-in ownership)
• [ ] Upfront costs breakdown
• [ ] 5/10/25 year cost snapshot table
• [ ] Bilingual (FR/EN)
• [ ] No auth required, no API — pure client-side
• [ ] FAQ section with JSON-LD
• [ ] Recharts for visualization

Discussion Notes

Mar 9, 2026 — Created. Pure frontend, follows F-039 calculator pattern. All defaults prefilled so users can get instant results. Key insight: show the break-even crossover point prominently.