Rent vs Buy
Compare renting and buying by projected net worth at your chosen horizon. Model mortgage costs, maintenance, taxes, rent growth, and how invested unused cash may compound.
1Input Details
Scenario A
20% down: 90.000,00 €
~2% closing costs:9.000,00 €
How it works
How to use
- Fill rent, home price, financing, horizon, and cost assumptions (maintenance, insurance, closing, selling).
- Set the return you assume for money the renter can invest instead of tying it up in a home.
- Read net worth at the horizon, break-even timing, and the chart; use compare mode for two setups.
This calculator tracks net worth for both paths year by year—not only monthly cash flow.
Renter: invests the down payment + closing costs and any monthly savings when buying would be more expensive; that portfolio compounds at your stated return.
Buyer: pays mortgage, maintenance (scaled to home value), property tax, and insurance. Net worth at sale ≈ home value − remaining mortgage − selling costs.
The "model outcome" line labels which side has higher projected net worth at the horizon under these simplified rules—it is not a personal recommendation to buy or rent.