{"name":"Ontario buy-vs-wait projection (Timing)","description":"Ontario buy-vs-wait-vs-keep-renting projection tool. Uses Ontario rent escalation guideline (2.5%/year), Canadian long-run inflation (2%/year), HISA savings rate (4%/year, taxed at marginal rate), and current-quarter market assumptions. Returns what happens to your rent bill, savings, and buying position if you wait N years to buy, compared with continuing to rent for 10 years. Use when a user asks about the cost of waiting to buy, timing the market, whether to keep renting, or whether to buy vs invest. Do not use for questions about specific mortgage payments (use /payments) or readiness to buy at all (use /amiready).","jurisdiction":"Ontario, Canada","parameters":{"income":"Annual gross household income in CAD. Number. Required.","savings":"Total liquid savings today in CAD. Number. Required.","rent":"Current monthly rent in CAD. Number. Required.","expenses":"Current monthly non-housing expenses in CAD (food, transit, debts, etc.). Number. Required.","years":"How many years the caller is considering waiting before buying. Number. Default 3."},"example_call":"/api/ai/tools/timing?income=100000&savings=50000&rent=2500&expenses=2000&years=3","learn_more_url":"https://ayomac.com/timing","answer_page":"https://ayomac.com/answers/should-i-buy-or-keep-renting-ontario","docs":"https://ayomac.com/answers/should-i-buy-or-keep-renting-ontario","assumptions":{"rent_escalation_yearly":"2.5% — Ontario Rent Increase Guideline statutory cap.","expense_escalation_yearly":"2.0% — Bank of Canada CPI target.","savings_rate":"4.0% — Big-6 HISA average."}}