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 SEK 2 863,45 and starting rent is SEK 2 200,00. These are editable scenario assumptions, not a market average or financial recommendation.
SEK 47 623,50
Buying generates higher estimated net worth after home equity and any invested monthly savings are combined.
SEK 246 539,63
Equity after sale costs plus investmentsSEK 198 916,13
Invested portfolioSEK 2 863,45
P&I, tax, insurance, PMI, HOA & upkeepSEK 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 | SEK 463 500,00 | SEK 378 017,89 | SEK 57 672,11 | SEK 89 217,35 | SEK −31 545,24 |
| Yr 2 | SEK 477 405,00 | SEK 373 247,45 | SEK 75 513,25 | SEK 101 904,93 | SEK −26 391,68 |
| Yr 3 | SEK 491 727,15 | SEK 368 170,17 | SEK 94 053,35 | SEK 114 536,48 | SEK −20 483,13 |
| Yr 4 | SEK 506 478,96 | SEK 362 766,31 | SEK 113 323,92 | SEK 127 083,38 | SEK −13 759,47 |
| Yr 5 | SEK 521 673,33 | SEK 357 014,86 | SEK 133 358,07 | SEK 139 514,52 | SEK −6 156,44 |
| Yr 6 | SEK 537 323,53 | SEK 350 893,48 | SEK 154 190,64 | SEK 151 796,04 | +SEK 2 394,60 |
| Yr 7 | SEK 553 443,24 | SEK 344 378,34 | SEK 175 858,31 | SEK 163 891,25 | +SEK 11 967,05 |
| Yr 8 | SEK 570 046,54 | SEK 337 444,14 | SEK 198 399,60 | SEK 175 760,33 | +SEK 22 639,28 |
| Yr 9 | SEK 587 147,93 | SEK 330 063,93 | SEK 221 855,13 | SEK 187 360,17 | +SEK 34 494,96 |
| Yr 10 | SEK 604 762,37 | SEK 322 209,01 | SEK 246 539,63 | SEK 198 916,13 | +SEK 47 623,50 |
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.