Buy or rent?
Compare 30 years of buying with a mortgage against renting and investing the difference.
Your situation
Picking a region prefills the price and rent from medians of current listings and the price growth from the CZSO index.
Long-run nominal averages: S&P 500 ~10% p.a. (since 1928, dividends reinvested), gold ~8% p.a. (since 1971), bitcoin ~60% p.a. (2016–2026), savings ~2% (current Czech deposit rates). For comparison: Czech residential prices grew ~6% p.a. on average over 2010–2025 (CZSO House Price Index) — picking the region pre-fills the "Property price growth" field. Future growth may be lower. The return applies to the money each side invests — the down payment and the monthly difference in housing costs. Past returns don't guarantee future ones; bitcoin is extremely volatile.
Net wealth over 30 years
Property equity + investments vs. invested down payment + monthly difference
Monthly mortgage payment: 955 € · Own funds needed: 50 000 € · Buying pulls ahead in year 1
Assumptions: rent 900 €/mo · mortgage 4 % / 80 % LTV / 30 years · price growth 6 % p.a. (CZSO House Price Index, 2010–2025 average) · investment return 5 % · inflation 2,5 %. A model calculation, not financial advice.
How it's calculated
Both scenarios spend the same amount each month — whoever pays less for housing invests the difference at the given return. The buyer's wealth is the property value (growing at the property-growth rate you set) minus the remaining mortgage, plus any investments; the renter starts by investing the down payment and rent grows with inflation. Taxes, maintenance and transaction costs are not included.
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