Die folgende Anleitung ist noch nicht auf Deutsch verfügbar und wird auf Englisch angezeigt. Der Rechner selbst ist vollständig übersetzt.
So verwenden Sie diesen Rechner
- Enter how many years you expect to stay. Short stays usually favour renting because of buying and selling costs.
- Enter the home price, down payment, mortgage rate and term, and the costs of owning: property tax, insurance, maintenance and HOA.
- Enter the comparable monthly rent, expected rent increases and renter's insurance.
- Enter expected home appreciation and the return you could earn by investing instead. Then press Calculate.
Formel
Both scenarios start with the same cash. The renter invests the down payment and closing costs. Each month, whoever has the lower housing cost invests the difference. At the end, the buyer's net worth is the home value minus selling costs minus the remaining mortgage, plus their investments, and the renter's net worth is their portfolio.
Buyer NW = Home value × (1 − selling cost) − loan balance + buyer investments
Renter NW = (down payment + closing costs) grown + monthly savings invested
Häufige Fragen
Why does the length of stay matter so much?
Buying and selling costs (often 8–10% combined) are fixed hurdles. The longer you stay, the more years of appreciation and principal repayment spread those costs out.
What is the break-even year?
The first year in which the buyer's net worth equals or exceeds the renter's. Before that, renting comes out ahead under your assumptions.
What's not included?
Tax effects such as the mortgage interest deduction or capital gains exclusions, PMI, and the non-financial benefits of owning or renting. Results are very sensitive to the appreciation and investment return assumptions.