Year: --
Net worth: --
Best: --

Rent or Buy?

Two flats, one decision. Run the real numbers over 10 years and see which choice leaves you richer.

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Rent or Buy?

Flat A is for rent, flat B is for sale. For ten years, decide what to do with your money: invest or save what's left after housing, buy, overpay the loan, renovate or sell. A chart tracks your net worth against renting and buying, and the best path in hindsight sets the score.

10 years
Personal finance

How to play

Read the scenario. A price, a rent, your savings and an example mortgage rate. Four towns, each with its own numbers.
Choose each year. Invest the difference, keep it in the bank, buy, overpay the loan, renovate or sell. News like a broken boiler or a rent jump hits renters and owners differently.
Watch your net worth. Savings + investments + what the flat would sell for, minus the loan and fees. The chart compares you with renting and buying.
Score. Your net worth after 10 years against the best path in hindsight: 1,000 points for matching it.

Quick tips

Count all the costs. Owning means fees, interest, upkeep and repairs, not just the monthly payment.
Invest the difference. Renting only wins if the money you save on housing is put to work.

3 more tips in the Rent or Buy? guide →