MAKE YOUR NEXT MOVE WITH CONFIDENCE
Rent vs Buy Calculator Ireland
Compare future financial positions using your own housing and investment assumptions.
Enter your figures to calculate.
How to use this calculator
- Use a second-hand main-home purchase for this version.
- Enter ownership expenses beyond repayments and a realistic selling-cost allowance.
- Compare several scenarios rather than treating the default growth rates as forecasts.
WORKED EXAMPLE
Put the numbers in context
Try a zero-growth scenario first, then change house-price growth and investment returns separately. A result that reverses after a small change is sensitive to your assumptions.
Your questions, answered
How is the comparison kept equal?
Both households start with the deposit plus buying costs. The renter invests those funds. Each month, the household with lower housing costs invests the difference.
What does buyer net position mean?
Home value less selling costs and remaining mortgage, plus invested monthly savings.
Which tax reliefs are included?
None. Enter investment returns after tax and fees. HTB, shared equity, Rent Tax Credit and any tax on disposal are excluded.