Property
Rent versus buy wealth scenario Calculator
Compare home equity with a renter investing the deposit and cashflow difference. This free rent versus buy wealth scenario calculator shows the calculation and its assumptions so you can compare your own figures.
Your results
Compare home equity with a renter investing the deposit and cashflow difference.
Calculated outcomes
- Renter Ending Investments
- €36,613.80
- Future House Value
- €426,648.05
- Remaining Mortgage
- €248,169.47
- Total Rent Paid
- €236,513.97
- Total Buyer Cash Paid
- €255,812.14
Assumptions and estimates
- The renter invests the deposit plus purchase costs and each year's difference between ownership cash outgoings and rent. Negative investment balance signals extra funding needed. End-of-year flows, constant growth rates and no tax; include actual Irish purchase taxes and recurring property costs in the editable amounts. Lifestyle, market risk and maintenance shocks are not valued.
- Method: Amortise the mortgage, grow property and rent assumptions, invest annual cost differences and deduct selling costs.
- All growth assumptions are uncertain. No tax or scheme eligibility; enter actual purchase and recurring property costs.
Useful next steps
- Lending limits are a guide only. Contact a lender or mortgage broker for an assessment before committing to a purchase.
- Use Compare options to test an alternative side by side.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the rent versus buy wealth scenario calculation works
Amortise the mortgage, grow property and rent assumptions, invest annual cost differences and deduct selling costs.
All growth assumptions are uncertain. No tax or scheme eligibility; enter actual purchase and recurring property costs.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review buying wealth advantage and buyer ending equity, then read the stated assumptions and eligibility conditions before using the result.
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Home purchase price (€)
- 350000
- Deposit (€)
- 35000
- Mortgage annual rate (%)
- 4
- Mortgage term (years)
- 30
- Stamp duty and other purchase costs (€)
- 7500
- Comparable monthly rent (€)
- 1800
- Annual rent growth (%)
- 2
- Annual non-mortgage owner costs (€)
- 3000
- Annual owner-cost growth (%)
- 2
- Annual home-value growth (%)
- 2
- Renter annual net investment return (%)
- 4
- Selling costs as % of final value
- 2
- Years to compare
- 10
- Buying Wealth Advantage
- €133,331.82
- Buyer Ending Equity
- €169,945.61