Calculator
Rent or buy?
Compared over your horizon: net worth from an owned home versus renting plus the same money invested. Both paths start from the same cash.
Horizon
Assumptions p.a.
Net worth after 20 years
Buying
459.376 €
Renting + investing
458.381 €
Buying comes out ahead+995 €
Monthly rate1.467 €
Home value after 20 y594.379 €
Loan left at the end135.003 €
Break-even (buying ahead)20 years
Estimates without guarantee. Both sides start from the same capital (equity + closing costs); the renter invests it at the market return. Excludes selling costs at the horizon and tax effects. Not financial or investment advice.