Free Decision Tool

Should you
rent or buy
in Europe?

Find out when buying saves you money — based on real price-to-rent data from your city. See your breakeven year in 2 minutes.

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No signup required · Free · Takes 2 minutes

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1,200+ analyses run by expats in Lisbon, Amsterdam, Berlin, Barcelona & Paris

Powered by data from Eurostat · ECB · local property registers

NestCalc

Step 3 of 3 · Your Results

Year 7is your breakeven

Buying beats renting in Lisbon after 7.2 years

10-year total cost
Buy Rent
Yr 3
Yr 5
Yr 7
✓ Buy wins
Yr 10

Recommendation: Buy if staying 7+ years

Based on €420k budget · €1,800/mo rent · 20% down

City
Lisbon
Budget
€420k
Rent
€1,800

How it works

Your answer in 3 steps

Enter your numbers, get your breakeven year — no spreadsheets required.

01

Enter your location

Pick your country and city in Europe.

02

Share your numbers

Property budget, current rent, savings, and income.

03

See your breakeven year

Get the exact year buying becomes cheaper, plus a clear buy/rent recommendation.

The calculation

Rigorous math,
clear answer.

We factor in mortgage costs, opportunity cost of your down payment, and the real total cost of ownership — not just the monthly payment.

Try it now
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Monthly mortgage payment
20% down · 3.5% rate · 25yr term
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Opportunity cost
Down payment invested at 5% annual return
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Breakeven year
When buying becomes cheaper than renting
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Total cost comparison
Buy vs rent over your planned years

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