Rent vs. buy calculator 2026
Should you rent or buy? This compares your wealth in each case over time: the buyer builds home equity, the renter invests the down payment and every euro the mortgage costs above the rent. See which comes out ahead and after how many years buying pays off. You supply every assumption.
Buying is ahead by€129,598.02
- Wealth if you buy€398,431.78
- Wealth if you rent€268,833.76
- Buying pays off after3 years
Over time
Buy (equity)Rent (investments)
Illustration only, not financial advice. Assumes a constant rate and regular intervals; real products vary. Verify with a professional.