RATIOXA HOME · Decision tool
Rent or buy?
Compare net wealth from property value, debt, transaction costs, rent and invested differences.
12 inputsDetailed comparisonSaved locally on this device.
DECISION PACK
Rent or buy?
Created: 18/08/2026 · rent-or-buy@5.0
Important: Not a property valuation or lending recommendation. Terms and market values can differ.
Result · Why?
Rent: net wealth leads by €34,062
Transaction costs weigh on early years; later, amortisation and appreciation matter. Renting depends on actually investing the difference.
Difference€34,062
Buy: net wealth
Rent: net wealth
Break-even
Appreciation crossover
At this annual appreciation both wealth paths are level.
Result robustness
Sensitive result
A realistic change to one important assumption may reverse or materially narrow this result.
- Property priceApprox. change in result: €49,850
- Comparable monthly rentApprox. change in result: €48,927
- Return on invested differenceApprox. change in result: €29,744
Development
Buy: net wealth / Rent: net wealth
Text summary of the chart
| Development | Buy: net wealth | Rent: net wealth |
|---|---|---|
| 1 | €101,960 | €163,086 |
| 2 | €118,771 | €178,546 |
| 3 | €136,047 | €194,392 |
| 4 | €153,803 | €210,636 |
| 5 | €172,052 | €227,290 |
| 6 | €190,811 | €244,365 |
| 7 | €210,094 | €261,876 |
| 8 | €229,918 | €279,836 |
| 9 | €250,300 | €298,258 |
| 10 | €271,256 | €317,157 |
| 11 | €292,804 | €336,549 |
| 12 | €314,964 | €356,448 |
| 13 | €337,753 | €376,872 |
| 14 | €361,191 | €397,837 |
| 15 | €385,299 | €419,361 |
RATIOXA STORY
Your Decision Story
- 1
Buy: net wealth: €385,299
- 2
Rent: net wealth: €419,361
- 3
Rent: net wealth leads in the base case.
Calculation Health
Quick estimate
Add more of your own values to strengthen the scenario.
- + Property price
- + Purchase costs
- + Down payment
RATIOXA IMPACT MAP
What matters most?
Property price€49,850
Comparable monthly rent€48,927
Return on invested difference€29,744
Mortgage rate€26,344
Annual appreciation€18,686
Annual maintenance€12,830
Higher impact →Key insight
Your decision is most vulnerable to changes in Property price.
Transaction costs weigh on early years; later, amortisation and appreciation matter. Renting depends on actually investing the difference.
SCENARIO RANGE · DETERMINISTIC
Stress-test this decision
TIME HORIZON
How the decision changes over time
Period 1Buy: net wealth€61,126
Buy: net wealth is stronger at period 1.
RATIOXA ×
Appreciation crossover
At this annual appreciation both wealth paths are level.
Crossover2.36
Compare everything
Buy: net wealthRent: net wealth
Result value€385,299€419,361
Difference—€34,062
Net equity€385,299€335,620
Purchase costs€48,000€419,361
Selling costs€19,381—
Remaining debt€241,337—
PRACTICAL NEXT STEP
Before you decide
● Saved locally on this device.RATIOXA FLOW
Next useful steps
SCENARIO RANGE
Conservative · Base · Optimistic
Locked assumptions
TRUST CHECK
Fair Comparison Check
- ✓Same comparison horizon
- ✓Comparable cash flows
- ✓Residual values and balances included
- ✓Inputs are internally consistent
Not included in the model
- Contract terms, eligibility and taxes outside the entered values
- Personal risk tolerance and liquidity needs
- Professional legal, tax, finance or energy advice
Assumption freshness
Decision readiness
0/12 inputs replaced with your own or transferred values · 4 real-world details still worth checking
- ○ Include acquisition costs
- ○ Keep a liquidity buffer
- ○ Estimate maintenance
- ○ Check the fixed-interest period
TRANSPARENT MATH
Formula inspector
Calculation steps
- Monthly cash-flow differences are invested on the lower-cost side.
- Buyer wealth equals net equity after debt and selling costs plus the investment account.
- Renter wealth starts with the unused down payment and purchase costs.
Substitution with your values
Sum of displayed components A = 385299.44 + 48000.00 + 19380.50 + 241336.86 = 694016.80Sum of displayed components B = 335619.75 + 419361.34 = 754981.09Total: 385299.44 / 419361.34SOURCE SNAPSHOT
Official reference context
Context only. RATIOXA never substitutes a policy rate or survey result for your personal offer.
Deutsche Bundesbank · GermanyNet share tightening housing-loan standards: 7 % netEffective 2026-04-01 · Verified 2026-08-17
Caution: Survey context — not a statement about your personal credit offer.
Primary source ↗CURRENT CONTEXT
Relevant developments
A sourced update may affect one of your assumptions. RATIOXA never changes a value silently.
MONEY
ECB keeps key interest rates unchanged after June increase
Key rates shape financing conditions but are not your personal loan rate.
May affect: Mortgage APR · Loan APRHOME
German banks tightened credit standards in Q2 2026
Calculated affordability is not the same as an available credit offer or approval.
May affect: Available APR · Maximum loanImportant: Not a property valuation or lending recommendation. Terms and market values can differ.
WHAT-IF
Snapshot current scenario
IMPORTANT DOCUMENTS
Prepare the decision
● Saved locallyQUESTIONS TO ASK
Ask before you sign
- How long is the rate fixed?
- Which fees and overpayment rights apply?
- What balance remains after the fixed period?
EXTERNAL OFFERS · SEPARATE FROM THE CALCULATION
Explore real offers
The independent RATIOXA result above never changes based on these links.
External websites are independent from RATIOXA. No commercial partnership is implied.
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