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Rent vs Buy Abroad

Should you buy property in your new country or rent? This calculator models the full financial outcome — purchase costs, opportunity cost of capital, ongoing costs, and your break-even point.

Property & rental details

Enter values in local currency or GBP — just be consistent.

Property purchase price

Purchase transaction costs (stamp duty, legal, agent fees)

Spain: ~10–13% · Portugal: ~7–9% · France: ~8–10% · Thailand: ~3–5%

Deposit / down payment

Mortgage interest rate (if taking a mortgage)

Annual property costs (tax, maintenance, insurance, HOA)

% of value

Expected annual property price growth

%/yr

Equivalent monthly rent for same property

Annual rent increase

%/yr

Investment return on deposit (if renting instead)

%/yr

What your deposit could earn if invested instead of used as a property deposit.

How many years are you planning to stay?

1 yr7 years20 yrs

Enter your details to see the comparison.