Decision support
Buy vs rent
Compare what you actually spend over your chosen horizon. Buying cost counts the down payment, mortgage interest and ownership costs — repaid principal stays your equity and is excluded. No house-price growth is assumed.
Buying costs less over this period
€23,116
Difference in money spent, excluding any change in property value.
Cost of buying (10 years)
€128,207
Monthly payment €1,001 · interest €60,207 · equity built €59,942
Cost of renting (10 years)
€151,323
How this tool works
About the buy vs rent comparison
The comparison sets the total cash cost of buying over a chosen period against the total cost of renting over the same period, using the purchase price, deposit, rate, rent and costs you enter.
It answers a narrow question well: given these assumptions, which option leaves you having spent less by the end of the period. That is a different question from which option is better for you, which also involves mobility, security of tenure and how long you expect to stay.
What this result does not tell you
- Future rent increases, interest-rate changes and property price movements are assumptions, not predictions.
- Transaction costs on both entry and exit materially affect short horizons.
- Non-financial factors — flexibility, commute, family plans — are outside the calculation.
Questions