Buy net worth
i€352,331
Buy vs Rent + ETF Comparator
Compare the long-term net worth impact of buying a home versus renting and investing the difference.
Indicative financial simulator, not investment or tax advice.
Rent + invest
i€544,130
Difference
i-€191,799
Monthly cost to own
i€1,766
Monthly cost to rent
i€960
Monthly invested
i€806
Rent + invest wins
Over 20 years, renting and investing leads to higher net worth by €191,799.
Net worth over time
The main comparison between buying and renting plus investing.
Detailed metrics
Key values at the selected horizon.
Total acquisition cost
i€270,000
Loan amount
i€220,000
Monthly mortgage payment
i€1,287
Remaining balance at end
i€0
Estimated property value at end
i€370,874
Selling costs
i€18,544
Net equity from purchase
i€352,331
ETF final value
i€544,130
Total ETF contributions
i€194,549
ETF growth only
i€349,581
Principal repaid
i€220,000
Cumulative rent paid
i€279,390
Cumulative owning costs paid
i€423,939
Property appreciation
i2.0%
ETF annual return
i7.0%
Monthly cost comparison
Owning versus renting cost profile across the horizon.
ETF portfolio growth
Initial capital, contributions, and portfolio value.
Buy equity breakdown
Property value, remaining debt, and net equity at horizon.