Rent vs Buy Calculator
Buying is not automatically better than renting. This calculator compares the full cost of owning a Danish home with renting and investing the difference over the same period.
Your numbers
Danish banks require at least 5%.
Bidragssats charged yearly on your outstanding loan.
After 10 years
Renting and investing comes out ahead by 475.990Â kr.
Both paths are compared on net wealth: what you own at the end minus everything you paid along the way.
If you buy
Monthly cost today
20.876Â kr.
Home value after
4.266.480Â kr.
Equity after selling
1.656.791Â kr.
Net position
-942.224Â kr.
If you rent
Monthly rent today
14.000Â kr.
Total rent paid
1.839.553Â kr.
Investment portfolio
1.373.319Â kr.
Net position
-466.234Â kr.
Assumptions: a 30-year annuity realkredit loan, a contribution rate (bidragssats) charged on the outstanding debt, a tax deduction on mortgage interest of about 33% on the first 50,000 kr. a year and about 25% above (2026, single person), about 2% purchase costs and 3% selling costs. Ejerudgifter covers property tax, insurance and maintenance.
The renter invests the down payment and purchase costs, plus any month where owning costs more than renting. Learn the full process in our live online property course.
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