Visual results
Annual irrecoverable costs
Buying cost breakdown
Projected net worth
Saved scenarios
Save the current configuration to compare scenarios side-by-side. Stored in your browser only.
Formula used
Break-even rent
annual buying irrecoverable cost / 12
Detailed buying cost (year 1)
first-year interest + maintenance + IBI + insurance + community + garbage + opportunity cost + annualized buying costs. Opportunity cost = upfront cash * (alt return - home growth) — a single-year estimate; the projection chart compounds the gap fully.
Projection
renting invests upfront cash and monthly savings; buying tracks sale value minus selling costs and remaining loan. Toggle "today's EUR" to deflate by inflation.
Car visual results
Total cost over period
Best car option breakdown
Set lease insurance or maintenance to 0 when those costs are included. For an EV, enter the price after grants or discounts actually received.
Car formulas used
Owned car cost
purchase price - resale value + energy + insurance + maintenance + tax/ITV + parking/tolls + opportunity cost
Leasing cost
upfront payment + monthly lease payments + energy + non-included insurance/maintenance + tax/parking
No-car option
monthly public transport, taxi, car-share, rentals, and delivery budget x months