Rent vs Buy calculator
This tool is created to help you estimate costs of the Dutch housing market. Add numbers to match your personal situation.
Quick compare
Provide your rent and target purchase price.
Monthly comparison
Rent
€ 1.200,00
Buy
€ 1.904,53
Renting keeps € 704,53 in your pocket per month
Monthly delta
€ 704,53
Yearly delta
€ 8.454,41
Buy-side breakdown
- Mortgage payment (net)€ 1.459,40
- VvE€ 200,00
- Maintenance€ 135,42
- Insurance€ 25,00
- Property tax€ 50,00
- Amortized fees€ 34,72
Disclaimer: This calculator is informational only and does not constitute financial advice. Consult a licensed professional before making rent or purchase decisions.
5-year projection
Rent inflation 2% vs. house appreciation 4% help set expectations. Adjust them in Advanced if needed.
Projected rent (5y)
€ 1.324,90
Projected value (5y)
€ 395.412,19
Formulas referenced
- Mortgage principal = housePrice × (1 - downPayment%)
- Monthly mortgage (annuity) = P * (r/12) ÷ [1 - (1 + r/12)^(-n)]
- Transfer tax = 2% of the purchase price when the checkbox is enabled
- Owner costs = mortgage + VvE + maintenance + insurance + property tax + amortized fees
- Δ monthly = buyMonthly - rentMonthly; Δ yearly = Δ monthly × 12
- Payback (if buy cheaper) = (downPayment € + fees + transfer tax) ÷ (rentMonthly - buyMonthly)