01 / Your home
Rent or buy your home?
Compare buying a home with a mortgage or renting a similar place. Both options invest money left after housing costs in stocks. Renting also invests the money you would have spent on a down payment and buying costs.
How we compare
- Both options start with the same cash and monthly budget. The renting option invests the down payment and buying costs upfront in stocks.
- Each month, the cheaper option invests the difference in stocks.
- Extra monthly savings pay down the mortgage first if you buy. Once it is paid off, they are invested in stocks. The renting option invests them in stocks from the start.
Your numbers
Costs & taxesReview the assumptions behind your results
Buy + stocks
Rent + stocks
- Stocks
Buy + savings
Rounded to the nearest €100; components may not add up exactly.
Net worth year by year
Your first month
Buy a home, with or without a mortgage, and invest spare money in stocks
Buy a home, with or without a mortgage, and put spare money in a savings account
Rent a home and invest spare money in stocks
02 / Property investment with a mortgage
Buy a property with a mortgage and rent it out, or invest in stocks?
Already have somewhere to live? Compare buying a property with a mortgage to rent out against investing the same upfront money in stocks. Rent left after mortgage payments, property costs and tax is invested too. Your own housing costs are excluded.
How we compare
- The property option invests rent left after the mortgage, property costs, agent fees and tax in stocks.
- The stocks option invests the same upfront cash. If rent does not cover the costs, the stocks option invests the same amount you would need to pay out of pocket.
- Extra monthly contributions pay down the mortgage first, then go into stocks. The stocks option invests them from the start.
- Your own housing costs are excluded.
Your numbers
Costs & taxesReview the assumptions behind your results
Rental + stocks
Stocks only
- Stocks
Rental + savings
Rounded to the nearest €100; components may not add up exactly.
Net worth year by year
Your first month
Buy a property with a mortgage, rent it out and invest spare money in stocks
Buy a property with a mortgage, rent it out and put spare money in a savings account
Invest in stocks without buying a rental property
03 / Property investment without a mortgage
Buy a property outright and rent it out, or invest in stocks?
Compare buying a property without a mortgage to rent out against investing the purchase price and buying costs in stocks. Rent left after property costs and tax is invested too. This compares investments; your own housing costs are excluded.
How we compare
- The property option invests rent left after property costs, agent fees and tax in stocks.
- The stocks option invests the property price plus buying costs upfront. If rent does not cover the costs, the stocks option invests the same amount you would need to pay out of pocket.
- Your own housing costs are excluded.
Your numbers
Costs & taxesReview the assumptions behind your results
Rental + stocks
Stocks only
- Stocks
Rental + savings
Rounded to the nearest €100; components may not add up exactly.
Net worth year by year
Buy a property outright, rent it out and invest spare money in stocks
Buy a property outright, rent it out and put spare money in a savings account
Invest in stocks without buying a rental property
04 / Moving home
Rent or buy if you plan to move?
Compare buying and selling homes as you move with renting similar places along the way. Both options invest money left after housing costs in stocks. Each purchase and sale adds costs, and you may need a new mortgage. Choose when you move and the homes you move into.
How we compare
- Both options start with the same cash and monthly budget, and move to similar homes in the same years. The renting option invests the upfront cash in stocks; the cheaper option invests the monthly difference in stocks.
- Each sale pays off the old mortgage and covers selling costs and any tax. The remaining cash goes toward the next home and its buying costs; a new mortgage covers the rest.
- Enter the price and rent you expect in the year you move. Each row also shows today’s equivalent.
Your numbers
Costs & taxesReview the assumptions behind your results
Buy + stocks
Rent + stocks
- Stocks
Buy + savings
Rounded to the nearest €100; components may not add up exactly.