Real Estate Calculator: Financing + Buy vs. Rent

Calculate monthly payment, remaining debt, and interest costs – and roughly compare buying vs. renting.

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Real Estate Calculator

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Years
What You Get

Monthly payment (annuity), remaining debt progression, interest and repayment shares, and total interest costs – as a quick orientation.

Simplifications

No special repayments, no fixed interest period/refinancing, no taxes. Buy-vs-rent is a rough model (sufficient for quick intuition).

Monthly Payment (Annuity)
€1,957.50
Remaining Debt After 10 Years: €306,647.48
Loan Amount
€405,000.00
Equity (incl. Costs)
€135,000.00
Purchase Costs
€45,000.00
Interest Paid (up to Year 10)
€136,547.48
Repaid (up to Year 10)
€98,352.52
Annual Overview (Excerpt)
Remaining Debt · Interest · Repayment
Year 1
€396,757.00
€15,247.00
€8,243.00
Year 2
€388,196.00
€14,929.00
€8,561.00
Year 3
€379,304.00
€14,598.00
€8,892.00
Year 4
€370,068.00
€14,254.00
€9,236.00
Year 5
€360,474.00
€13,897.00
€9,593.00
Year 6
€350,510.00
€13,526.00
€9,964.00
Year 7
€340,160.00
€13,140.00
€10,350.00
Year 8
€329,410.00
€12,740.00
€10,750.00
Year 9
€318,245.00
€12,324.00
€11,166.00
Year 10
€306,647.00
€11,893.00
€11,597.00
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Real Estate Calculator: Financing + Buy vs. Rent

This calculator helps you get an initial overview: monthly payment, remaining balance, and interest costs of a mortgage — plus a rough comparison of wealth development for "Buy vs. Rent."

What Is an Annuity?

With many real estate loans, you pay a constant monthly installment (annuity). At the beginning, the interest portion is high; later, the principal repayment portion increases.

Why Buy vs. Rent Is Difficult

In reality, many factors come into play: taxes, renovations, property value appreciation, opportunity costs, rent increases, location, and life planning. Our comparison is deliberately simplified — ideal for a quick gut feeling.

Frequently asked questions

Simplified as an annuity from the nominal interest rate + initial repayment rate.