Rent vs Buy Investment Calculator

Compare the long-term financial impact of renting vs buying property

Rental Scenario

Monthly Rent: 1.500 €

Monthly Investment: 800 €

Expected Annual Return: 7%

Buying Scenario

Property Price: 400.000 €

Annual Appreciation: 3%

Down Payment: 20%

Loan & Economic

Loan Interest Rate: 4.5%

Loan Term: 30 years

Inflation Rate: 2.5%

Investment Value vs Property Equity Over Time

Comparison of wealth accumulation over 35 years (loan term + 5 years)

Renting Scenario (After 30 Years)

Initial Monthly Rent:1.500 €

Initial Monthly Investment:800 €

Final Monthly Rent:2.717 €

Final Monthly Investment:1.449 €

Final Investment Value:1.113.772 €

Buying Scenario (After 30 Years)

Monthly Mortgage:1.621 €

Down Payment:80.000 €

Final Monthly Housing Cost:1.983 €

Final Property Value:970.905 €

Net Equity:970.905 €

🏆 Renting + Investing Wins!

Renting provides 142.867 € more wealth after 30 years

*This calculator provides estimates for comparison purposes only. Consider consulting with a financial advisor.