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Professional Irish Financial Analysis • 2026
Generated On
22 July 2026
Note: This report is an estimate based on current Irish Revenue tax bands and provided inputs. For official tax advice, please consult a qualified professional or visit Revenue.ie.
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Compare renting vs buying a home. 30-year wealth projection with equity accumulation, opportunity cost, and break-even analysis.
Compare renting vs buying a home in Ireland. This calculator models a 30-year wealth projection with equity accumulation, opportunity cost of the deposit, and break-even analysis.
Enter property price, deposit, mortgage rate, monthly rent, and investment assumptions. The tool compares net worth under both scenarios over your chosen horizon, showing when buying becomes more cost-effective than renting.
✅ Buy Wins
€4,559,708
Buying nets you more over 30 years — break-even at year 1
Buy Net Worth
€1,234,762
Rent Net Worth
-€3,324,946
Monthly Payment
€1,719
Buy (mortgage)
Monthly Rent
€1,800
Rent (year 1)
Difference
€81
Rent costs more/mo
Rate Sensitivity — Break-even Year
Rates 3%→6%: break-even shifts from Y1 to Y11. Higher rates = rent longer.
Buy Net Worth Waterfall
Buying Costs
Renting Costs
Decision Guide
The 10-Year Rule
If you plan to stay 10+ years, buying almost always wins due to equity accumulation. Under 5 years, renting + investing the difference typically wins.
Costs Matter
Round-trip transaction costs (buy + sell) are ~5.5% of the property value. On a €400k home, that's €22k — must be recovered via appreciation.
Dublin vs Regional
Dublin break-even: ~12-15 years. Regional Ireland: ~5-8 years. The difference is driven by higher Dublin prices vs similar rents.
Scenario-based suggestions to help you validate your result and explore the next decision point.