What is the break-even point in a rent vs buy comparison?

The break-even point is the year when the total net cost of buying a home (excluding accumulated equity) becomes lower than the total amount paid in rent.

Does the calculator account for property value growth?

No, the calculator deliberately excludes projected property value growth, since it's an unpredictable variable - only real, known costs are calculated (interest, upkeep, rent).

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Rent vs buy

Which is cheaper over your chosen period - renting or buying with a mortgage? Get the break-even year.

The calculator excludes projected property value growth - only known costs are compared (interest, taxes, upkeep, rent). The loan principal portion on the buying side is treated as accumulated equity, not a cost.

~/rent-vs-buy

Monthly rent

Annual rent increase (%)

Property price

Down payment

Mortgage interest rate (%)

Mortgage term (years)

One-time purchase costs

Monthly upkeep costs

Analysis period (years)

Results

Break-even point -

Monthly mortgage payment €0

Total rent cost €0

Net buying cost €0

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Rent vs buy

Need something similar - or completely different?Let's talk custom.

Need something similar - or completely different?
Let's talk custom.