🏠 Rent vs Buy · Property Decision · Ireland

Rent vs Buy Calculator — Ireland

Compare the true long-term financial cost of renting versus buying in Ireland. Includes stamp duty, mortgage interest, maintenance, and opportunity cost.

For planning purposes only — confirm with your financial adviser.

1) Inputs & First 12 Months

Home Price (€)

Down Payment (%)

Mortgage APR (%)

Mortgage Term (years)

Property Tax (% of value per year)

Maintenance (% of value per year)

Home Insurance (€/year)

HOA / Service Charges (€/year)

Buyer Closing Costs (% of price)

Selling Costs at Exit (% of value)

Home Appreciation (APR %)

Monthly Rent (€)

Annual Rent Increase (APR %)

Renter’s Insurance (€/year)

Horizon (years)

Investment Return on Cash (APR %)

Cumulative Cost @ Horizon (Buy)

—

Cumulative Cost @ Horizon (Rent)

—

Difference (Buy − Rent)

—

Break-even Month

—

First 12 Months (cash flow & cumulative)

Month	Rent Payment	Buy Payment (all-in)	Cum. Rent Cost	Cum. Buy Cost	Buy − Rent