Buy Or Rent Simulator

Make the most informed real estate decision with a comprehensive Buy vs. Rent simulator. This app provides an objective, data-driven analysis to determine if buying a property is truly more profitable than renting and investing your capital elsewhere. By integrating historical and projected IMF inflation data for your specific country, the simulator tracks the real value of your money year after year. It provides a complete financial breakdown from your first mortgage payment to the final resale, ensuring you stay objective based on your unique project. Key features: - Uses country-specific IMF inflation data for realistic long-term projections - Compares the cost of buying with potential returns of alternative investments (stock market, savings, etc.) - No account or registration required — start simulating immediately - Toggle advanced parameters and view a full amortization table to understand every payment of your mortgage Adjustable parameters: - Property: Purchase price, notary fees, renovation costs, and agency fees - Financing: Down payment, loan duration, mortgage rate, insurance, and prepayment penalties - Rental: Monthly rent and projected annual rent increases - Market Logic: Resale horizon, country-specific inflation (IMF), and alternative investment yield - Costs: Local property taxes and maintenance Get a clear, visual report on your break-even point and see exactly when ownership starts to pay off.