Buy vs Rent Simulator

Simulation Parameters

Method: each month, if buying costs more than renting, the difference is invested on the renter's side — and vice versa. Final net worth includes property value, outstanding loan balance, and financial portfolio.

⚡Common Parameters

Time horizon

yrs

Investment return

%/yr

Property appreciation

%/yr

🏠Buy Scenario

Property price

EUR

Down payment

EUR

Mortgage rate

%/yr

Mortgage term

yrs

🔑Rent Scenario

Monthly rent

EUR

Advanced options

Rent increase

%/yr

Notary / closing fees

Buyer agent fee

Mortgage insurance

%/yr

Selling costs

Owner fixed costs

EUR/mo

Property tax

EUR/yr

Maintenance

%/yr

Emergency reserve

mo/yr

Renter charges

EUR/mo

Move-in fees

EUR

Security deposit

EUR

Comparison Results

Monthly mortgage payment€0

Monthly housing cost (start)€0

Cumulative expenses€0

Final net worth

€0

Rent + charges (start)€0

Cumulative expenses€0

Final invested capital€0

Final net worth

€0

Verdict

Calculating…

Adjust the sliders and watch the impact in real time.

Net worth trajectory

Buy

Rent

Cumulative housing expenses

Buy

€0

Rent

€0

Final net worth

Buy

€0

Rent

€0

Back to home

View yearly breakdown

Year	Rent/mo	Buy cost/mo	Outstanding loan	Property value	Buy net worth	Rent net worth

Educational simulator: detailed taxation and capital gains on resale are not modelled.