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Rent vs Buy Calculator

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

Scenario Presets

Comparison Period (years)

Renting

Monthly Rent

Deposit (optional)

Annual Rent Increase (% annually)

Typical annual rent increase is 2-5%

Investment Return (% annually)

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

Buying

Property Price

Down Payment

Mortgage Interest Rate (%)

Loan Term (years)

Annual Property Value Increase (% annually)

Typical annual property value increase is 2-5%

Additional Costs

Notary Fees (optional)

Property Tax (annually, optional)

Maintenance Fees (Monthly, optional)

Insurance (annually, optional)

Subsidies

Subsidy Amount (optional)

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

Results

Did you know?

Early loan repayment can save thousands of PLN in interest over the long term.

Data Visualization

Note:

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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.