Renting or buying a house
house
Simplified model — real outcomes will differ
This calculator uses assumptions about appreciation, investment returns, and holding costs. It does not include mortgage interest tax deductions (NL: hypotheekrenteaftrek), rent increases, or market timing effects. Use it to build intuition, not to make a final decision. Always consult a financial advisor before buying property.
Property & mortgage
€70.000
Comparison
Comparable rental
After 10 years
Buying
Renting
Buying saves €53.416 over 10 years
Buying comes out ahead under these assumptions — but the margin depends heavily on appreciation and how long you stay.
Past home appreciation is not guaranteed. This model does not include mortgage interest tax deduction, rent increases, or inflation. Consult a financial advisor before major property decisions.
