We compare more than the mortgage payment against the rent. The down payment, the growth in the value of the flat, purchase costs, invested savings and rising rent all count.
YOUR SITUATION · CLICK A VALUE TO CHANGE IT
The flat costs zł. I have zł for the down payment.
I take the mortgage over years at a rate of %.
Renting costs zł a month and rises by % a year.
Flats rise by % a year and investments earn % a year.
Ready-made sets:
RESULT AFTER 20 YEARS
Under these assumptions “Buying the flat” gives a net worth after 20 years that is 521 667 zł higher.
20 years
1 year102030 years
Buying the flatRenting + investingClick the chart to change the horizon
This is a simulation, not financial advice. The result depends on the assumptions you set.
Buying overtakes renting
1 year 11 mo
From this point net worth is higher if you buy.
Total interest
584 825 zł
Paid by the end of the horizon (20 years).
Monthly gap at the start
1 302 zł
That is how much more buying costs — when renting, this amount is invested.
Purchase costs
20 000 zł
Transfer tax, notary, land register entries and the fee.
See what happens if…
Buying the flat
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.