Buy or Rent Calculator

Compare the total costs of buying and renting. Find out which is more worthwhile for you.

Updated 2025 Data stays local

Buy

Purchase Price (EUR)

Equity (EUR)

Interest Rate (% p.a.)

Initial Repayment (% p.a.)

Purchase Costs (%)

Maintenance (%/year of purchase price)

Property Appreciation (%/year)

Rent

Monthly Cold Rent (EUR)

Rent Increase (%/year)

Investment Return on Equity (%/year)

Break-even (buying pays off from)

approx. 18 years

Monthly Loan Rate

1.443,75 €

After	Property Value	Remaining Debt	Buy Advantage
10 years	426.648,05 €	239.697,93 €	-18.626,02 €
20 years	520.081,59 €	132.893,63 €	+6.014,56 €
30 years	633.976,55 €	0,00 €	+9.542,61 €

Positive value = buying is more advantageous.

Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.

Frequently Asked Questions

Is it better to buy or rent in Germany?

The answer depends on property prices, rent levels, interest rates, investment alternatives, and how long you plan to stay. Buying generally becomes more favorable after 10-15 years in the same location.

What factors should I consider in the buy vs. rent decision?

Key factors include purchase price-to-annual-rent ratio (under 25 favors buying), opportunity cost of equity, maintenance costs (1-2% of property value annually), and your personal flexibility needs.

What is the Buy or Rent Calculator?

The buy-or-rent calculator compares the long-term costs of home ownership with renting, including an alternative investment of the difference.

How does the Buy or Rent Calculator work?

Enter the purchase price, rental costs, interest rate and expected price appreciation. The calculator compares total costs over the chosen period. The difference between the rent and the mortgage payment is invested alternatively. Net wealth is compared at the end.

Key Data and Facts

Rule of thumb: a price-to-rent ratio above 25-30 annual cold rents favours renting. Maintenance reserve: approx. 1-2% of property value/year. Long-term appreciation: approx. 1-3% p.a.

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