Make the most informed real estate decision with a comprehensive Buy vs. Rent simulator. This app provides an objective, data-driven analysis to determine if buying a property is truly more profitable than renting and investing your capital elsewhere.
By integrating historical and projected IMF inflation data for your specific country, the simulator tracks the real value of your money year after year. It provides a complete financial breakdown from your first mortgage payment to the final resale, ensuring you stay objective based on your unique project.
Key features:
- Uses country-specific IMF inflation data for realistic long-term projections
- Compares the cost of buying with potential returns of alternative investments (stock market, savings, etc.)
- No account or registration required — start simulating immediately
- Toggle advanced parameters and view a full amortization table to understand every payment of your mortgage
Adjustable parameters:
- Property: Purchase price, notary fees, renovation costs, and agency fees
- Financing: Down payment, loan duration, mortgage rate, insurance, and prepayment penalties
- Rental: Monthly rent and projected annual rent increases
- Market Logic: Resale horizon, country-specific inflation (IMF), and alternative investment yield
- Costs: Local property taxes and maintenance
Get a clear, visual report on your break-even point and see exactly when ownership starts to pay off.
Screenshots
How to use
- 1Add it in ChatGPT
Open Buy Or Rent Simulator in ChatGPT's Plugin directory (button above), select + to add it and sign in if asked.
- 2Use it in a chat
Type @ in the composer and pick Buy Or Rent Simulator, or start your message with its name. ChatGPT may also suggest it when it fits what you ask.
Things to ask
- “Should I buy a 225,000€ property or keep renting at 1150€/month?”