Essentially, estimated total savings is the tax and interest a renter doesn't pay since they don't own the home they occupy. It can also include dues to homeowner associations and home repairs that are the responsibility of the landlord. While some people feel the landlord works the expenses into the rent, it is possible that the extra costs make the property too expensive to be appealing in a specific rental market. In that case, the landlord is responsible for the tax and interest expenses that couldn't be worked into the cost of the monthly rent. This leaves the renter free to save toward the purchase of a home at a later date. For example, if an owner has a mortgage of $1000 and the rents for similar properties are $750, a renter would save $250 a month in tax and interest expenses.