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Parameters (green are editable)YearComparisonScenario 1: buyScenario 2: rent and invest
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HouseCostsCosts
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Price of house€300,000
Scenario 1: value of house
Scenario 2: value of investments
Down payment
Monthly mortgage
Yearly maintenance (accounted for inflation)
Yearly insurance (accounted for inflation)
Property tax
Total yearly costs
Monthly rent
Total yearly costs
Yearly costs from scenario 1
Amount invested during year
Value of investments
Tax on securities accounts
Total value of investments
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Mortgage - down payment percentage20%2019€300,000€72,868€60,000€1,402€1,500€150€800€79,271€1,020€12,236€79,271€67,036€72,868€0€72,868
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Down payment€60,0002020€309,420€86,677€0€1,402€1,531€153€816€19,321€1,037€12,450€19,321€6,872€86,677€0€86,677
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Mortgage - interest rate3.58%2021€319,136€101,505€0€1,402€1,562€156€833€19,372€1,056€12,668€19,372€6,705€101,505€0€101,505
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Mortgage - number of years202022€329,157€117,440€0€1,402€1,594€159€850€19,424€1,074€12,889€19,424€6,535€117,440€0€117,440
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Monthly mortgage€1,4022023€339,492€134,573€0€1,402€1,626€163€867€19,478€1,093€13,115€19,478€6,363€134,573€0€134,573
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Yearly maintenance€1,5002024€350,152€153,007€0€1,402€1,659€166€885€19,532€1,112€13,345€19,532€6,187€153,007€0€153,007
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Yearly insurance€1502025€361,147€172,850€0€1,402€1,693€169€903€19,587€1,132€13,578€19,587€6,009€172,850€0€172,850
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Property tax€8002026€372,487€194,223€0€1,402€1,728€173€921€19,643€1,151€13,816€19,643€5,828€194,223€0€194,223
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Increase in consumer goods prices (consumer price index)
2.04%2027€384,183€217,255€0€1,402€1,763€176€940€19,701€1,171€14,057€19,701€5,644€217,255€0€217,255
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Yearly price appreciation (house price index)3.14%2028€396,246€242,087€0€1,402€1,799€180€959€19,760€1,192€14,303€19,760€5,456€242,087€0€242,087
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Rent2029€408,689€268,873€0€1,402€1,836€184€979€19,820€1,213€14,554€19,820€5,266€268,873€0€268,873
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Monthly rent€1,0202030€421,521€297,778€0€1,402€1,873€187€999€19,881€1,234€14,808€19,881€5,072€297,778€0€297,778
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Yearly rent increase (health index)1.75%2031€434,757€328,985€0€1,402€1,911€191€1,019€19,943€1,256€15,068€19,943€4,876€328,985€0€328,985
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Passive investing2032€448,409€362,689€0€1,402€1,950€195€1,040€20,007€1,278€15,331€20,007€4,676€362,689€0€362,689
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Tax on securities accounts0.15%2033€462,489€399,104€0€1,402€1,990€199€1,061€20,072€1,300€15,600€20,072€4,472€399,104€0€399,104
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Yearly return8.70%2034€477,011€438,463€0€1,402€2,031€203€1,083€20,138€1,323€15,873€20,138€4,266€438,463€0€438,463
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2035€491,989€481,018€0€1,402€2,072€207€1,105€20,206€1,346€16,150€20,206€4,056€481,018€0€481,018
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2036€507,437€526,252€0€1,402€2,114€211€1,128€20,275€1,369€16,433€20,275€3,842€527,043€791€526,252
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2037€523,371€575,112€0€1,402€2,158€216€1,151€20,345€1,393€16,721€20,345€3,625€575,976€864€575,112
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2038€539,805€627,904€0€1,402€2,202€220€1,174€20,417€1,418€17,013€20,417€3,404€628,847€943€627,904
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2039€556,755€684,959€0€1,402€2,246€225€1,198€20,491€1,443€17,311€20,491€3,180€685,988€1,029€684,959
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