Rent vs Buy Calculator 2026
Should you rent or buy? Compare costs and wealth accumulation over 30 years.
Should you rent or buy? Compare costs and wealth accumulation over 30 years.
Purchase price, overbid, and mortgage
Amount above the asking price. Not financed by the mortgage.
Default rates are used if no municipality is selected
Your down payment and the monthly cost difference are invested
Mortgage interest deduction (Box 1) and wealth tax (Box 3)
Your income determines your mortgage interest deduction. Your household size determines waste fees and Box 3 exemption.
Included in calculation
Break-even point
Buying is cheaper after 1 years
Wealth buying
€ 724.545
after 30 years
Wealth renting
€ 108.994
after 30 years
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In year 1, € 235 in monthly cost difference is invested
Build your own scenario with Monte Carlo simulation, including uncertainty about interest rates, house prices, and returns.
Try Sonalflow for freeThis is a simplified calculation and not financial advice. Transfer tax, notary fees, insurance, and HOA are not included. Consult a financial advisor for your personal situation.