Everything you need to compare buying and renting
Get complete clarity on every cost involved—from acquisition through 30 years of ownership.
See All Acquisition Costs
Buying isn't just the purchase price. We calculate stamp duty (up to €20,000+), surveyor fees, legal and conveyancing costs, home inspection, mortgage application fees, and more. See the complete upfront cost before you commit.
Track Ownership Costs Year by Year
Homeownership costs compound over decades. We calculate your annual costs—mortgage interest, maintenance reserves, property tax, buildings insurance—year by year. See exactly what you'll pay in year 1 vs year 20.
Factor in Opportunity Cost & Government Benefits
Your deposit could be invested instead—that's real opportunity cost. We calculate what that capital would earn based on last previous years. Plus, we show you First Home Scheme and Help to Buy benefits you might qualify for.
See Property Appreciation & Market Trends
Your house appreciates (or depreciates). We factor in realistic property appreciation by region and show when buying becomes financially advantageous compared to renting.
Your decision, simplified
Three minutes to complete clarity. No signup required. See every cost and make your decision with confidence.
Enter Your Situation
- •Purchase price (or current rent)
- •Time horizon (1-30 years)
- •Location (for tax rates, schemes)
Answer Cost Questions
- •Deposit amount
- •Interest rate / rent amount
- •Additional preferences
Review Your Results
- •See all acquisition costs
- •See ongoing costs over time
- •Compare buying vs. renting
- •Review government benefits
What you get with your calculation
Over-time Comparison
See how buying vs. renting costs compare year by year with interactive graphs showing the break-even point.
Save & Share
Download your calculation or send it by email with a unique link to re-open and edit it anytime.
Market Reports
Access historical market data and property price trends from recent years to inform your decision.
