Rent vs Buy Calculator
Compare estimated costs of buying and renting over a period you choose. Results depend on your assumptions for rent, home costs, price changes and investment returns.
With the current inputs, estimated monthly ownership costs are PLN 2 883,14 and starting rent is PLN 2 200,00. These are editable scenario assumptions, not a market average or financial recommendation.
PLN 48 698,62
Buying generates higher estimated net worth after home equity and any invested monthly savings are combined.
PLN 291 535,07
Equity after sale costs plus investmentsPLN 242 836,46
Invested portfolioPLN 2 883,14
P&I, tax, insurance, PMI, HOA & upkeepPLN 2 200,00
Year 1 monthly rentCalculation is instantly saved in this shareable URL.
🗄️ Saved Comparison Scenarios (Side-by-Side)
Net Worth Trajectory Over Time
Year-by-Year Financial Progression
Tracking home appreciation, declining mortgage balance, buyer equity, and renter investment compounding.
| Year | Property Value | Mortgage Debt | Buyer Net Worth | Renter Net Worth | Net Advantage |
|---|---|---|---|---|---|
| Yr 1 | PLN 463 500,00 | PLN 353 827,47 | PLN 81 862,53 | PLN 113 347,99 | PLN -31 485,46 |
| Yr 2 | PLN 477 405,00 | PLN 347 257,90 | PLN 101 502,80 | PLN 127 766,78 | PLN -26 263,98 |
| Yr 3 | PLN 491 727,15 | PLN 340 265,77 | PLN 121 957,75 | PLN 142 236,32 | PLN -20 278,57 |
| Yr 4 | PLN 506 478,96 | PLN 332 823,89 | PLN 143 266,34 | PLN 156 734,58 | PLN -13 468,24 |
| Yr 5 | PLN 521 673,33 | PLN 324 903,32 | PLN 165 469,61 | PLN 171 237,42 | PLN -5 767,80 |
| Yr 6 | PLN 537 323,53 | PLN 316 473,28 | PLN 188 610,84 | PLN 185 718,43 | +PLN 2 892,41 |
| Yr 7 | PLN 553 443,24 | PLN 307 501,00 | PLN 212 735,65 | PLN 200 148,78 | +PLN 12 586,86 |
| Yr 8 | PLN 570 046,54 | PLN 297 951,63 | PLN 237 892,11 | PLN 214 497,03 | +PLN 23 395,08 |
| Yr 9 | PLN 587 147,93 | PLN 287 788,03 | PLN 264 131,03 | PLN 228 728,95 | +PLN 35 402,07 |
| Yr 10 | PLN 604 762,37 | PLN 276 970,68 | PLN 291 535,07 | PLN 242 836,46 | +PLN 48 698,62 |
How this rent-versus-buy calculator compares costs
The estimate compares home equity after projected appreciation, remaining mortgage balance and selling costs with the renter's invested upfront cash. Each month, the scenario with lower housing costs can invest the difference. Mortgage payments use a fixed-rate amortization formula; future home values, rent, costs and investment returns are assumptions you can change.
Country-specific costs and tax treatment
Local taxes, insurance, mortgage rules, and transaction costs vary. Enter the costs that apply to your home and verify current rules with a local authority or lender. Investment returns and home-price changes are not guaranteed.
Calculation Methodology & Proof
Rent vs buy
Both paths start with the same cash. The buyer puts it into the house; the renter invests it. Each year we compare net worth.
- Buyer cash outlay: down payment + buy closing, then PITI + maintenance each month.
- A simplified tax deduction reduces buyer cost by interest × marginal rate.
- Renter pays rent (growing) and renter insurance, and keeps the invested stake growing.
- Break-even is the first year buyer net worth exceeds renter net worth.
Important Caveats & Planning Assumptions
- Appreciation, returns, and rent growth are assumptions, not forecasts.
- Transaction costs and taxes on sale are stylized.
Frequently Asked Questions
Expert answers to common questions
Why can renting win on paper?
If the down payment would earn a high return, if you move before break-even, or if buy costs (tax, maintenance, selling costs) are high relative to rent.
Do you include the mortgage interest deduction?
A simplified deduction using your marginal tax rate is applied to interest. Caps, standard-deduction effects, and local tax treatment are not fully modelled.
What is 'advantage'?
Buyer net worth (home equity after selling costs) minus renter net worth (invested cash). Positive means buying is ahead in that year.