Buying and renting spread costs differently. Choose the same period and use concrete amounts for each option.
Run the numbers
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.
Compare buying and renting
For a purchase, include the deposit, taxes and other initial costs. Monthly costs should include loan payments, IMI, building charges, insurance and maintenance. Test changes in the loan payment.
For renting, include recurring rent and bills. In initial costs, count only amounts you do not expect to recover at the end; a fully refunded deposit is not a net cost. Check the contract terms.
The final sale proceeds are an assumption: subtract outstanding debt and selling costs from a possible sale price. Try a less favourable scenario too. The result does not predict appreciation or decide which option suits your life.
Verified sources
Official information to check
General information reviewed against official sources available on September 23, 2026. It does not replace legal, tax, financial or technical advice for your circumstances.