Leje eller Købe Beregner
Visualiser din formue over tid ved at sammenligne den langsigtede økonomiske effekt af at købe bolig frem for at leje og investere forskellen.
Sådan bruger du beregneren
- 1
Input Home Details
Enter home price, closing costs, and mortgage terms.
- 2
Input Rental Details
Enter comparable monthly rent, renter's insurance, and expected rent growth.
- 3
Set Market Assumptions
Adjust home appreciation and investment return rates to match your outlook.
- 4
Compare Net Worth
View the chart to see which path builds more wealth and when the breakeven year occurs.
Ofte stillede spørgsmål
How is the breakeven year calculated?
It is the year where the homeowner's net worth (home equity minus all ownership costs) exceeds the renter's net worth (the down payment and monthly savings invested in the market instead). Before that year, renting would have left you wealthier; after it, buying wins.
What is opportunity cost in a rent vs buy decision?
Opportunity cost is the return your down payment could have earned if invested elsewhere, such as an index fund. A $60,000 down payment growing at 7% per year would be worth about $118,000 after 10 years — the calculator credits this to the renting scenario.
Why does renting sometimes beat buying?
When home price growth is low, interest rates are high, or you move within a few years, the transaction costs and interest of buying can outweigh the equity you build. Buying usually wins with long holding periods and reasonable price appreciation.
Which costs of ownership does the comparison include?
The model includes mortgage interest and principal, purchase closing costs, property tax, insurance, maintenance, and selling costs, and compares them against rent, renter's insurance, and rent inflation over time.
Leje vs Køb-analyse
Deciding between renting and buying is a complex financial decision.
Our calculator compares your net worth over 30 years in both scenarios.
Break-even-år
Tiden før det bliver billigere at købe end at leje.
Formueforskel
Forskellen i samlet formue efter 30 år.
Alternativomkostning
Tabt afkast ved at binde kapital i udbetalingen.