Compare buying with cash, buying with a mortgage and renting while investing. See how each decision shapes your net worth after 5, 10, 20 and 30 years.
YOUR SITUATION · CLICK A VALUE TO CHANGE IT
The flat costs zł and I have zł in cash.
With a mortgage I put down zł.
The rate is % and the term years.
Renting a similar flat costs zł a month and rises by % a year.
I assume flats rise by % a year and investments earn % a year.
Ready-made sets:
RESULT AFTER 20 YEARS
Under your assumptions, the highest estimated net worth after 20 years comes from “Cash”.
20 years
1 year102030 years
CashMortgage + investingRenting + investingClick the chart to change the horizon
Gap between the best and the worst result: 688 799 zł
This is a simulation, not financial advice. The result depends on the assumptions you set.
Minimum return
7.04%
The return needed for the mortgage plus investing to match paying cash.
The mortgage overtakes renting
1 year 11 mo
From this point the mortgage plus investing is ahead of renting.
Total interest
584 825 zł
Paid by the end of the horizon (20 years).
Capital invested
650 000 zł
The cash invested at the start in the mortgage option.
See what happens if…
Cash
Running costs600 zł
Total600 zł
+4 202 zł a month into investments
Mortgage + investing
Mortgage payment4 202 zł
Running costs600 zł
Total4 802 zł
the whole budget goes on housing
Renting + investing
Rent3 500 zł
Total3 500 zł
+1 302 zł a month into investments
The shared budget is 4 802 zł a month — what the most expensive option costs. The cheaper ones invest the difference, which is what makes the comparison fair.
First month · running costs and rent rise every year
Common questions
These calculations are indicative and are not investment advice. We assume a fixed rate, equal instalments and average annual growth in prices, rent and investments.