Buy or rent?
1.Input
Price €178,000 · rent €1,035 / month
The spending gap between buying and renting, invested each year by whoever spends less.
2.The race between buying and renting
Buying wins by €73,829 (+85.2%) in year 20
Buying leaves you €73,829 more than renting if you sell in year 20.
Buying gets ahead in year 8 and stays ahead to the end of the projection.
T3 in Dammarie-lès-Lys — main home · ID 06
- Buy: cash if you sell€160,470
- Rent: the renter’s savings€86,641
Before purchase: €27,500 = down payment €8,000 + notary €13,500 + works €6,000
The renter invests this same sum: we compare the same person buying or staying a renter.
NB: the buyer also invests, every year, what they spend less than the renter. These investments are included in the buyer’s line.
What each would have if they sold or stopped that year, with the same budget every year.
For the verdict: gap at the sale (20 years): +85.2% → A
3.What the buyer and the renter pay
The buyer pays €61 / month more
| Buy | Rent | |
|---|---|---|
| Per month (average over 20 years, until the sale) | €1,262 | €1,201 |
| Per year (average over 20 years, until the sale) | €15,139 | €14,411 |
| Your household net income, after tax (per month, year 1) | € / month | |
| Effort on your income | enter your income above | enter your income above |
Buy: loan payment, loan insurance, condo fees, property tax, home insurance, upkeep, bank fees.
Rent: rent + home insurance.
Light ≤ 25 % · Normal 25 – 35 % · Heavy > 35 % (the verdict’s thresholds, applied to the average effort).
For the verdict: effort not computed, income not entered
4.The verdict
Income needed
The conclusion of sections 2 and 3: the net-worth gap at the planned sale, as a % of the renter’s net worth (rows) × the average effort of buying over the loan term, at most until the sale (columns).
In year 20: buying +€73,829, i.e. +85.2% of the renter’s net worth
Buying gets ahead in year 8.
Gap +85.2% → A
Effort: income not entered
| Gap \ effort | Light≤ 25 % | Normal25 – 35 % | Heavy> 35 % |
|---|---|---|---|
| A · Buying wins clearly (≥ +10%)◆ Your gap | Buy | Buy, if your budget stays comfortable | Buy only if your income is secure — otherwise rent and invest |
| B · Buying wins a little (0 to +10%) | Either — buy for stability, rent for flexibility | Rather rent — buying doesn’t build enough wealth for the effort | Rent |
| C · Renting wins (< 0%) | Rent — buy only for the comfort of owning | Rent | Rent |
Enter your income to get a verdict.
The results are estimates, not tax or financial advice.
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