Calculadora Alquilar vs Comprar
Visualiza tu patrimonio a lo largo del tiempo comparando el impacto financiero de comprar una vivienda frente a alquilar e invertir la diferencia.
Cómo usar esta calculadora
- 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.
Preguntas frecuentes
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.
Análisis Alquilar vs Comprar
Deciding between renting and buying is a complex financial decision.
Our calculator compares your net worth over 30 years in both scenarios.
Año de equilibrio
Tiempo necesario para que comprar sea más barato que alquilar.
Diferencia de patrimonio
La diferencia de riqueza total tras 30 años.
Coste de oportunidad
Rentabilidad perdida por inmovilizar efectivo en la entrada.