Rent vs Buy
Compare renting against buying and find your break-even year.
Break-even year
Net cost of buying
Net cost of renting
Buying is cheaper over 10 years
| Years | Buy | Rent |
|---|---|---|
| 1 | €50,901 | €11,040 |
| 2 | €59,469 | €22,234 |
| 3 | €67,692 | €33,581 |
| 4 | €75,561 | €45,083 |
| 5 | €83,065 | €56,739 |
| 6 | €90,191 | €68,550 |
| 7 | €96,929 | €80,515 |
| 8 | €103,266 | €92,635 |
| 9 | €109,189 | €104,908 |
| 10 | €114,686 | €117,335 |
Estimates only — a simplified model, not financial advice.
Cumulative net cost — buy vs rent
Break-even: year 10Quick insights
3 newComputed from your inputs · no account dataBreak-even lands in year 10
Buying only pulls ahead at year 10. Stay longer and the gap widens in your favour; leave earlier and renting was cheaper.
A bigger deposit shortens break-even
Your down payment is 20% of the price. Raising it cuts borrowed interest and can move the break-even a year or two sooner.
Unrecoverable costs add up
Notaire fees and yearly upkeep are already modelled. Also budget for moving costs you won’t get back on resale.
How this works
We compare the cumulative net cost of each choice, year by year. Buying counts your down payment, notaire fees, mortgage interest, upkeep and property tax — minus the equity and appreciation you’d recover if you sold that year.
Renting counts cumulative rent (growing yearly) minus what your down payment could have earned if invested instead. The break-even year is the first year the buy curve dips below the rent curve.