Rent or buy
This calculator allows you to compare the costs of renting and buying a house. You can adjust the expected return rate, the number of mortgage years.
Simulate years
Inflation
House market appreciation
Stock market returns
Rent
Unrecoverable costs
Initial renting costs (e.g: real estate intermediary)
Rent
Buy
Price of the house
Unrecoverable costs
Initial purchasing costs (e.g: notary, taxes)
Yearly maintenance costs
Additional yearly taxes and fees
Mortgage
Down payment
Rate
Your monthly payment is: €800.15
Payment + costs: €1,104.31
Rent is €1,200.00 and mortgage is €1,104.31. Renting is higher than buying. You will save a total of €95.69 per month by buying. You will save €17,223.53 in total by buying.
Unrecoverable costs due to rent after 15 years | -€267,824.36 |
Unrecoverable costs due to other fees | -€0.00 |
Initially invested amount | -€125,000.00 |
Total additional invested amount after 15 years | -€0.00 |
Total value of portfolio after 15 years | +€264,212.99 |
Grand total | -€128,611.37 |
Additional Info
Cost of living after 15 years: €1,869.56
Total of unrecoverable costs after 15 years | -€91,912.50 |
Initial house expense | -€245,000.00 |
Total invested amount after 15 years | -€17,223.53 |
Value of house after 15 years | +€284,437.39 |
Total value of portfolio after 15 years | +€25,575.89 |
Grand total | -€44,122.76 |
Additional Info
Total maintenance costs after 15 years: €45,567.34
Total additional fees after 15 years: €22,318.70
Total interests paid after 15 years: €24,026.47
Maintenance costs adjusted for inflation after 15 years: €3,817.02
Additional fees adjusted for inflation after 15 years: €1,869.56
Cost of living after 15 years: €473.88