Rent vs buy calculator
Compare your wealth after X years if you buy, or rent and invest the difference.
How it works
Buyer: home value − remaining mortgage. Renter: down payment + costs invested, plus each month the difference between mortgage (+ 1%/yr upkeep and taxes) and rent. Both are compared at the chosen horizon.
Results are for guidance only and do not replace professional advice.
Worked example
With the default values:
- Home price300000
- Down payment60000
- Buying costs (taxes, notary) in %12
- Mortgage rate (%)3.3
- Mortgage term (years)25
- Equivalent monthly rent1100
- Yearly rise in prices and rents (%)2
- Return on invested savings (%)4
- Comparison horizon (years)15
you get:
- Better after 15 yearsBuying
- Wealth if you buy€283,710.76
- Wealth if you rent€227,243.20
- Difference€56,467.57
Frequently asked questions
How does the “Rent vs buy calculator” tool work?
Buyer: home value − remaining mortgage. Renter: down payment + costs invested, plus each month the difference between mortgage (+ 1%/yr upkeep and taxes) and rent. Both are compared at the chosen horizon.
What do I need to enter?
Just fill in: home price, down payment, buying costs, mortgage rate, mortgage term, equivalent monthly rent. The result updates as you type.
Can you give an example?
Home price: 300000; Down payment: 60000; Buying costs (taxes, notary) in %: 12; Mortgage rate (%): 3.3; Mortgage term (years): 25 → Better after 15 years: Buying; Wealth if you buy: €283,710.76.
Is this calculator free, and is my data private?
Yes. HOD Calc is completely free with no sign-up. The calculation runs in your browser: nothing you type is sent or stored.