Property & finance
Calculation method and formula
Monthly rent × 12 × Comparison period [years]; acquisition costs + interest + maintenance − appreciation
Understand the inputs
- Monthly rent
- Use a measured value or your own assumption.
- Purchase price
- Use a measured value or your own assumption.
- Equity
- Use a measured value or your own assumption.
- Mortgage rate
- Unit: %. Use a measured value or your own assumption.
- Buying costs
- Unit: %. Use a measured value or your own assumption.
- Annual maintenance
- Unit: %. Use a measured value or your own assumption.
- Annual appreciation
- Unit: %. Use a measured value or your own assumption.
- Comparison period
- Unit: J.. Use a measured value or your own assumption.
Assumptions and limitations
The purchase loan is fully repaid as an annuity over the comparison period. Ownership costs are interest plus purchase fees and annual maintenance minus modelled appreciation. Principal repayments build equity and are not treated as consumption costs here. Returns on equity, rent increases, taxes and selling costs are excluded. This is a scenario, not buying advice.
The formula uses the specified units. Displayed numbers are rounded; whole packs, item counts and full time periods may also be rounded within the calculation.