Buy vs Rent vs Sell Calculator

A mortgage calculator to help with analyzing buying, renting, and selling scenarios to maximize your investment.

Share Your Scenario

Click the button to generate a shareable link with all your current settings. You can also just copy the URL from your browser's address bar.

Property & Loan

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€405,000

Recurring Costs & Start Date

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Market Assumptions

For investing the down payment, plus the monthly difference between owner costs (mortgage, maintenance) and rent.

Tax on the renter's investment profits when sold.

Sale Scenario

Click a point on the graph to set the sale time.

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Buying Overtakes Investing In

This is the point where the buyer's net worth (home equity + investments) surpasses the renter's. The renter's portfolio grows by investing the initial down payment plus any monthly savings compared to the homeowner's costs (mortgage + maintenance). After the mortgage is paid off, the homeowner's costs drop, often making renting comparatively more expensive and slowing the renter's investment growth.

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Recover Initial Costs After

This is your personal break-even point. It's when your net proceeds from a potential sale (Home Value - Loan Balance - Selling Costs) are equal to your total initial cash investment (Down Payment + Buying Costs). Click this panel to set the sale scenario to this date.

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Sale Outcome at

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Sale Analysis Breakdown

Buying Scenario

Sale Price:
Remaining Loan:
Selling Costs:
Total Value:

Renting & Investing Scenario

Initial Investment:
Savings vs Owning:
Investment Growth:
Capital Gains Tax:
Final Value:

In-Depth Analysis at

Year Principal Paid Interest Paid Ending Balance