Berlin Rent vs. Buy Calculator

Full cost projection · Mortgage affordability · Opportunity cost of capital

Berlin · EUR · nominal terms
Analysing…
Monthly mortgage
True monthly cost (buy)
interest + running, excl. principal
Break-even year
Transaction costs
~9.5% Berlin
10-yr net wealth (buy)
10-yr net wealth (rent+inv)
Affordability check
Mortgage / net income
German bank guideline: ≤ 35%
Total housing cost / income
Comfortable threshold: ≤ 40%
Rate stress test — what if your rate rises at refinancing?