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Rent vs Buy Calculator

Looks beyond monthly cost and includes equity/invested balance.

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apartment Local market tool

Results to check first

Compare renting and buying with rent, home price, down payment, mortgage rate, ownership costs, and growth assumptions.

2026 estimate

Buy net equity

$263,130.66

Tax, social insurance, pension, loan, and benefit rules change often. Use this as a planning estimate, not as an official filing or contract result.

Buy monthly cost

$3,075.89

Future monthly rent

$2,705.72

Buy net equity

$263,130.66

Rent-invest balance

$190,020.65

Scenario comparison

Current inputs

$263,130.66

7-year view

$263,130.66

vs current: —

High-cost area

$640,973.41

vs current: +$377,842.75

Inputs

Inputs are calculated in your browser and are not saved on the server.

check_circle Inputs are within range

Quick examples

How to use it

  1. 1Check current official tax, social insurance, or benefit guidance before acting.
  2. 2Results can change by tax year, region, household, and contract.
  3. 3Match editable rates to your payslip or official notice for a better estimate.
info

Important note

Tax, social insurance, pension, loan, and benefit rules change often. Use this as a planning estimate, not as an official filing or contract result.

What to verify

Check current official tax, social insurance, or benefit guidance before acting.
Results can change by tax year, region, household, and contract.
Match editable rates to your payslip or official notice for a better estimate.

What this tool calculates

Compare renting and buying with rent, home price, down payment, mortgage rate, ownership costs, and growth assumptions.

Usage notes

  • Use one tax year and one currency basis for all inputs.
  • Editable tax, deduction, and contribution rates are applied first.
  • Results are split into monthly and annual planning metrics.

Frequently asked questions

What can I check with Rent vs Buy Calculator?expand_more

Compare renting and buying with rent, home price, down payment, mortgage rate, ownership costs, and growth assumptions.

Is this an official result?expand_more

No. It is a planning estimate. Confirm tax, payroll, loan, and benefit decisions with official sources or a qualified professional.

Why are rates editable?expand_more

Local rules can vary by year, household, region, and contract. Editable rates make the calculator useful even when rules change.

263,130.66

Financial planning notice

This tool provides reference estimates only. Do not use it as the sole basis for lending, repayment, investment, tax, or contract decisions. Confirm the result with your lender, official documents, or a qualified professional before acting.

Result workspace

Save this result, compare previous runs, or share a report.

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