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Rent vs. Buy

What is better for you? Compare the two paths based on your net worth in 5, 10, 20 years — and find when buying wins.

Comparison Details

🏠 Buying

Municipal tax + building fees + maintenance

🔑 Renting

⚙️ Assumptions

If the equity were invested in the stock market

Comparison Results

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Enter property price, equity, and rent to calculate

How the Calculator Works

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Monthly Cost of Buying
Mortgage payment + maintenance expenses (municipal tax, building fees, maintenance).
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Monthly Cost of Renting
Monthly rent only — without property maintenance expenses.
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Alternative Investment
The equity that would have been invested in the stock market if you had not bought a property.
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Net Worth
Buying: property value minus remaining mortgage. Renting: value of the investment portfolio.

* The calculator is based on assumptions that can be adjusted. In practice, returns, property prices, and rents change. Results should not be taken as financial advice.

⚠️ Important Note

The information and calculations on this site are for general guidance only and do not constitute legal, financial, tax, or investment advice of any kind. Tax brackets, interest rates, and other data are updated periodically and may not reflect the current situation at the time of viewing.

Before making any real estate purchase, sale, or investment decision — consult with a real estate lawyer, mortgage advisor, tax advisor and licensed appraiser as appropriate. Do not rely solely on calculator results when making decisions.