Rent vs. Buy Calculator
See the real, long-term financial impact of renting vs buying in the Netherlands. We factor in Dutch wealth tax rules, closing costs, and compounding appreciation.
🏡 Renter Scenario
🔑 Buyer Scenario
⏳ Time Horizon
Buying Wins
You will be € 167.357 better off buying your own home rather than renting over the next 10 years.
Sunk Cost: Renting
€ 259.332
Over 10 years, your total rent paid equals this amount. This money is gone forever.
Sunk Cost: Buying
€ 91.975
This is the "loss" of buying (closing costs, interest, and taxes) minus whatever your home appreciated in value.
The Anatomy of Your Purchase
Unrecoverable Costs
€ 246.737
Interest, closing costs, and taxes.
Equity Built
€ 95.472
Mortgage principal paid down. (Forced savings)
PropertyValue in 10 yrs
€ 604.762
Gained € 154.762 in appreciation.
Why isn't Equity counted as a cost?
When you pay rent, you never see that money again. When you pay a €2,000 monthly mortgage, a huge portion of that goes toward paying down the principal chunk of your loan. That money is effectively going directly into your own savings account. It isn't a "sunk" cost, because you get it all back when you sell the house.