Compare the real cost between buying a property and staying a tenant over a given period.
The question "should I buy or rent?" is one of the most important in personal finance. The answer depends on many factors: your financial situation, expected holding period, real estate market trends, and your savings capacity.
Our comparator analyzes two scenarios over the period you define:
Buying generally becomes more advantageous after 7-10 years. Below that, acquisition costs (notary, agency) weigh heavily.
Potential capital gains depend on property price trends in your geographic area.
The down payment invested in stocks or other investments could yield more than real estate.
Property tax, condo fees, maintenance... These costs add to the mortgage payment.
Generally, the break-even point is between 7 and 12 years depending on the market. Our calculator gives you the precise result for your situation.
Yes, they represent 7-8% of the price in older properties. It's a non-recoverable cost that delays the break-even point.
For a fair comparison, use 4-5% (diversified life insurance) or 7% for a stock PEA with more risk.
Yes, you can set rent evolution, property prices, and general inflation.
Tax (19% + 17.2% social contributions) is calculated with allowances for holding period (exemption after 30 years).
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⚠️ This comparison is for a primary residence (full capital gains tax exemption)
Enter your parameters to get a detailed analysis with break-even point and personalized recommendation.