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Rent vs Buy Calculator

Compare renting vs buying a property. See which option is more profitable in the long term.

Renting

Typical annual rent increase is 2-5%

Expected annual return on investment (e.g., savings account, index fund)

Buying

Typical annual property value increase is 2-5%

Additional Costs

Subsidies

E.g., First-time buyer programs, government subsidies

Results

Did you know?

Declining installments are initially higher, but you'll pay less interest overall than with equal installments.

Data Visualization

Note:

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Mortgage Calculator

Calculate mortgage payment, total cost, and payment schedule.

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Equal vs Declining Installments Comparison

Compare equal (annuity) installments with declining installments. See which option is more profitable and how much you can save.

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Mortgage Overpayment Calculator

Calculate savings from mortgage overpayments. See how much you can save on interest and how much faster you can pay off your loan.

How does this calculator work?

Compare renting vs buying a property. See which option is more profitable in the long term.

Free online calculator. Accurate calculations. Easy to use.

Frequently Asked Questions

The answer depends on many factors: property prices, rent amounts, interest rates, property value appreciation, and investment opportunities. Our calculator on estim.at helps compare both options and shows which is more profitable in the long term.
Net worth when renting = (Invested down payment + Monthly savings) - Total rent paid. Net worth when buying = (Current property value) - (Remaining mortgage + Total interest and costs). Our calculator automatically calculates these values.
Buying usually becomes more profitable after several years, when property value increases and you pay down more principal. Our calculator shows the exact year when buying starts to be more profitable than renting.