CasaChaveAlgarve
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Calculator

Compare buying and renting

Compare costs over the same period, separating down payment, annual charges, deposit and net sale proceeds. You can test an alternative scenario.

A key with a house-shaped keyring being handed over.
Photo: Pavel Danilyuk · Pexels

Compare buying and renting

Compare costs over the same period, separating down payment, annual charges, deposit and net sale proceeds. You can test an alternative scenario.

Rules and sources reviewed on .

Complete all the costs shown. Enter 0 when a cost does not apply. The (i) controls explain what to include.

Period and upfront costs
From 1 to 600 months. Use the same period for both options.
Include all your own cash towards the price. For a cash purchase, enter the full price.
Exclude the deposit and any rent already counted in monthly costs.
A fully refunded deposit ties up initial cash but does not increase the final net cost.
Recurring costs and final sale
Enter their annual total. It is prorated over the selected months without rounding every monthly instalment.
Expected selling price minus remaining debt, selling costs and estimated taxes. Do not enter the gross price.

Compares nominal cash flows using your own assumptions. Does not forecast prices, rates, rents, inflation or opportunity cost.

Rules and sources used
Banco de Portugal · simulador de crédito / home loan calculatorOpen official source

Understand the topic

Buy or rent in the Algarve: how do the costs compare?

Compare payments over a chosen period and the amount you may recover from a later sale.

Read the guide