Inputs
Rent
Buy
Simple model: monthly payment ≈ loan × (interest + amortization) / 12
E.g. taxes, notary, agent. Varies by country.
If >0, tool also shows estimated home value at the end.
Disclaimer: This calculator provides simplified, illustrative estimates and is not financial advice.
Results
Year-by-year (summary)
Shows cumulative costs. “Buy net” subtracts estimated net sale proceeds if appreciation and selling costs are used.
| Year | Rent: cumulative | Buy: cumulative | Buy: net (optional) |
|---|
FAQ
- Why is the mortgage payment “approximate”? This is a simplified model to keep the tool transparent and fast. A full amortization schedule can be added later.
- Does this include utilities or taxes? No. Add those to rent or maintenance if you want a closer estimate.
- Is this financial advice? No. It’s an educational comparison tool.