Praktické

Kalkulačka: prenájom vs. kúpa

Rent vs Buy Calculator

Home price (£)

Down payment %

Interest rate %

Loan term (years)

Monthly rent (£)

What is Rent vs Buy Calculator?

▾

A rent vs buy calculator compares the total cost of renting a home against buying one over a given time horizon. It accounts for mortgage payments, opportunity cost of the down payment, maintenance, taxes, and rental increases.

Calkulon makes complex calculations simple — built for students and everyday problem-solvers.

How to Rent vs Buy Calculator

▾

1Cost to buy: mortgage payments + maintenance (1–2% of value/year) + property taxes + insurance − equity built + opportunity cost of down payment
2Cost to rent: rent + renters insurance + investing the down payment at market returns
3The "break-even point" is when the cumulative cost of buying drops below renting

Worked Examples

▾

Example 1

Given:£300k house · £60k deposit · 5% mortgage · vs £1,200/month rent

Výsledok:Break-even at approx year 7

Highly dependent on house price growth and investment returns

💡

Pro Tip

The most important variable is how long you plan to stay. The transaction costs of buying (stamp duty, legal fees, agent fees) typically take 3–5 years just to break even.

⭐

Did you know?

The New York Times offers a detailed rent-vs-buy calculator; in most global cities, renting and investing the difference often outperforms buying over 10-year horizons unless house prices grow significantly.

References

›Rent versus buy debate — Wikipedia

Len na informačné účely. Tento nástroj nenahrádza odborné lekárske poradenstvo, diagnózu ani liečbu. Vždy sa poraďte s kvalifikovaným zdravotníckym odborníkom.

Deep Dive

Read the full guide on how to use this calculator effectively

Čítať viac →

Porovnať s

⇄

Buying vs Renting a Home

Formula-verified for precision

Reviewed October 2026

Our methodology

Ratings & comments

…

Získajte týždenné matematické tipy

Pridajte sa k 12 000+ odberateľom, ktorí každý týždeň dostávajú tipy na kalkulačku.

🔒

100% zadarmo

Nikdy bez registrácie

✓

Presné

Overené vzorce

⚡

Okamžité

Výsledky počas písania

📱

Vhodné pre mobily

Všetky zariadenia