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Rent vs buy calculator
Compare the real cost of renting and buying over your time horizon — including equity, fees and the return on money you’d otherwise invest.
Buying
Today's lowest APRC in the NOTUS calculator: 5,48% (BPS, interest rate 5,34%), example: a 560 000 zł loan over 30 years, LTV 80% · data: NOTUS Finanse S.A., as of 31.10.2026
Renting
We assume a renter invests the would-be down payment and upfront costs at the return rate above.
Net cost of buying
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Monthly payment—
Total cash out—
Equity built—
Net cost of renting
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Total rent paid—
Investment value—
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A simplified model for guidance only — it ignores taxes specific to your case, insurance and transaction timing. Confirm the numbers with your adviser.