Rent vs Buy Calculator Essentials-sjabloon
Compare the financial outcomes of renting versus buying over a specified time period. Factor in appreciation, tax implications, and opportunity cost.
Wat zit erin
- Dashboard with rent vs. buy comparison showing total cost of renting, total cost of buying, and net difference
- Calculator with rental inputs (monthly rent, annual increase) and purchase inputs (price, rate, down payment)
- Year-by-year cost comparison table showing cumulative rent paid vs. cumulative homeownership costs over time
- Equity buildup tracking that shows how much home equity is gained each year through mortgage principal payments
- Break-even analysis with color-coded input cells showing when buying becomes less expensive than renting
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
Need more from this template?
The Essentials version covers everyday tracking. Ultimate goes further with multi-entity support, scenario analysis, and ultimate-grade reporting.
- Dashboard with rent vs. buy comparison showing total cost of renting, total cost of buying, and net difference
- Calculator with rental inputs (monthly rent, annual increase) and purchase inputs (price, rate, down payment)
- Year-by-year cost comparison table showing cumulative rent paid vs. cumulative homeownership costs over time
- Equity buildup tracking that shows how much home equity is gained each year through mortgage principal payments
- Uitgebreid werkblad aannames met aankoopprijs, aanbetaling, hypotheekrente, onroerendezaakbelasting, VvE, onderhoud, woningwaardestijging, huur, huurstijging en beleggingsrendement
- Dashboard met 6 KPI-kaarten: break-evenjaar, 10-jaars koopkosten, 10-jaars huurkosten, netto koopvoordeel, maandelijkse betaling versus huur en vereiste aanbetaling
- Jaar-voor-jaar vergelijkingstabel met cumulatieve kosten voor kopen versus huren over 10 jaar met nettoverschil per jaar
- Break-evenanalyse die het exacte jaar identificeert waarin kopen goedkoper wordt dan huren op cumulatieve basis
- Gevoeligheidsanalyseraster met break-evenjaar bij 5 woningwaardestijgingspercentages gekruist met 5 hypotheektarieven (25 combinaties)
Voorbeeld
Bekijk wat er in dit sjabloon zit
Hoe gebruik je dit Rent vs Buy Calculator sjabloon
Enter rental details
Input current monthly rent and expected annual rent increase percentage for the comparison period.
Enter purchase details
Add the home price, down payment, mortgage rate, property taxes, insurance, and maintenance estimates.
Set the time horizon
Enter the number of years for the comparison. Results change significantly over different holding periods.
Compare the results
The dashboard shows total cost of renting vs total cost of buying, equity built, and the break-even year.
Gebouwd door Claude AI. Verfijnd door ons.
We gebruiken Claude AI om elk sjabloon te ontwerpen, na uitgebreid onderzoek. Daarna neemt ons team het over. We verfijnen de indeling, testen elke formule grondig, lossen randgevallen op en polijsten het ontwerp totdat het iets is dat we zelf ook echt zouden gebruiken. De AI brengt ons 80% van de weg. De laatste 20% is puur menselijk oordeel.
Veelgestelde vragen
What costs are included in the buy side?
Mortgage payments, property taxes, insurance, maintenance, HOA fees, and opportunity cost of the down payment. Equity buildup is factored as a credit.
Does it account for home appreciation?
Yes. Enter an expected annual appreciation rate. The calculator factors in property value growth when computing the net cost of buying.
What is opportunity cost of the down payment?
If the down payment were invested instead of used for a home purchase, it would earn returns. The calculator accounts for this foregone investment growth.
When does buying typically break even?
It varies widely by market and inputs. The break-even analysis shows the specific year when cumulative buying costs become lower than cumulative renting costs for your scenario.
Hoe open ik dit in Google Sheets?
Upload het .xlsx-bestand naar Google Drive en open het vervolgens met Google Sheets. Alle formules en opmaak blijven behouden.
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