Calculadora de Compra vs Aluguel
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
compra: entrada + parcelas; aluguel: mensal × meses; valor futuro = preço × (1+apreciação)^anos
About this calculator
The Buy vs Rent Calculator compares the total cost of buying a financed property versus renting over the same period. It considers the down payment, monthly mortgage installments, rent amount, and property appreciation over the years. The goal is to help you decide which option is more financially advantageous.
How it works: for buying, we calculate the total spent on down payment and installments (including interest and term). For renting, we sum all monthly payments. Additionally, we estimate the future value of the property based on an annual appreciation rate. The result shows the net cost of each option, considering that when buying you will have an asset at the end.
When to use: this calculator is ideal for those deciding between buying a home or continuing to rent. For example, if you have a down payment and plan to live in the same place for many years, buying may be better. If you intend to move soon, renting may be cheaper. Use it to simulate different scenarios of term, interest rates, and appreciation.
Common cautions: remember that the calculator does not include extra costs such as property tax, condominium fees, maintenance, and insurance. The appreciation rate is an estimate and the real estate market can vary. Also, financing assumes fixed interest rates, but in practice they can be variable. Always consult an expert for a complete analysis.
Frequently asked questions
Does the calculator consider mortgage interest?
Yes, it considers a fixed interest rate you provide. The total installment amount includes interest over the term.
What does 'future property value' mean?
It is an estimate of what the property will be worth at the end of the period, based on an annual appreciation rate. This helps compare the equity generated by buying.
Should I include property tax and condo fees?
The calculator does not include these costs automatically. You can add them manually to monthly expenses for a more accurate comparison.
What is the ideal term to simulate?
It depends on your planning. Generally, the longer the term, the more advantageous buying tends to be due to appreciation. For short terms, renting is usually better.
Can the appreciation rate be zero?
Yes, you can set 0% if you believe the property will not appreciate. In that case, the comparison focuses only on costs, without capital gain.