Calculators
Rent vs. buy
Rent or buy, when does buying pay off?
Rent or buy?
Assumptions: 3.6% rate, 2% repayment, 2% rent growth p.a.
Break-even
34 years
From this point on, buying is cheaper than continuing to rent.
Your report as a PDF
€400,000 buy · €1,200 rent · €80,000 equity
- 30-year cost: renting vs. buying
- Building assets instead of paying rent
- Break-even at different rent growth rates
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Non-binding example calculation, not a financing offer under the §34i GewO licence.
The break-even shows when buying becomes advantageous over renting. It factors in the financing rate, equity and an assumed rent increase of 2 % p.a.
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Good to know
Rent or buy, what matters
Fair comparison
Cold rent versus financing rate, including equity and purchase costs.
Break-even point
See from which year buying becomes cheaper than renting.
Building wealth
Every repayment builds your own equity, instead of the landlord's.
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Rent vs. buy FAQ
It marks the year from which the total cost of buying drops below renting. Before it, renting is cheaper; after it, ownership wins.
The calculator assumes an average rent increase of around 2 % per year. In tight markets it can be considerably higher.
Not universally. With a short holding period or very low rent, renting can stay advantageous. We calculate your case individually.
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