Real Estate Scenario Calculator — Compare Property Scenarios

Educational model for people making a housing decision

Buy, rent, or wait? Check the numbers before the deal, not after.

An educational what-if calculator that models 5 scenarios with inflation, taxes, and mortgage. This is not investment advice.

Free · no signup or card · first result in 2 minutes

Pick a scenario

Choose a template or start blank.

Set your assumptions

Inflation, growth, mortgage, horizon.

Compare outcomes

See how trade-offs evolve side by side.

How it works

Enter your numbers

Capital, rent, house price, mortgage, inflation. Country presets help you get started.

Compare 5 scenarios

Buy, mortgage, deposit, flip, rent-to-others — on one chart, with nominal and real values.

Draw your own conclusion

All formulas are transparent. Download a PDF report or CSV for your own analysis.

Get started

Start from a scenario template

Each template prefills the calculator below. You can change any assumption afterwards.

Highest modeled value · not a recommendation

A · Own home scenario

108.633 €

Final capital · 60 mo · 107.630 € inflation-adjusted · CAGR +1.7%

Educational what-if calculation — not purchase or investment advice.

ⓘ This is an educational what-if model. All numbers are computed from your assumptions and are not a forecast or investment, financial, tax or legal advice. Past performance does not guarantee future results. Consult a licensed adviser before making decisions.

SCENARIO CALCULATOR

Horizon

MetricValues

Capital100.000 €

Rent800 €

Scenario Parameters

Country / preset

manual estimate

CPI Greece

2.7%

World Bank 2025

Rent growth %/yr

+8%

Numbeo

Reno growth %/yr

+3.5%

Eurostat

Net rate

2.5%

Central Bank

House appreciation %/yr

+6%

OECD HPI

Income tax %

15%

Tax code

CPI inflation %2.5%

Rent growth %/yr7%

Reno growth %/yr3.5%

In 60 mo:

Purchase power loss: 11.615 €

Your rent: 1.122 €/mo

Renovation: 11.877 €

Real deposit yield: -0.4%

● Infl.

Comparison Results

A · Own home

Buy a house & live in it

Capital change + avoided costs

12 mo-7.180 €

24 mo-3.642 €

60 mo8.633 €

Final capital108.633 €

B · Deposit

Bank deposit

Net profit (rent +7%/yr)

12 mo-7.758 €

24 mo-16.164 €

60 mo-45.757 €

Final capital54.243 €

C · Rentals x2

Two apartments to rent

Net profit (rent +7%/yr)

12 mo—

24 mo—

60 mo—

Final capital—

D · Reno cycle

Renovation cycle scenario

Net profit (rent +7%/yr)

12 mo—

24 mo—

60 mo—

Final capital—

E · Airbnb

Short-term let scenario

Net profit (rent +7%/yr)

12 mo—

24 mo—

60 mo—

Final capital—

Monthly dynamics

A · BUY A HOUSE & LIVE IN IT

+ House value growth27.058 €

+ Deposit income on leftover cash1.613 €

− Purchase costs-5.600 €

− Maintenance for period-9.569 €

− Rent (construction) (6 mo)-4.868 €

= Net total8.633 €

B · BANK DEPOSIT

+ Deposit interest11.200 €

− Own rent for period-56.957 €

= Net total-45.757 €

C · TWO APARTMENTS TO RENT

+ Rent income (no infl.)64.076 €

+ Apartment value growth27.058 €

− Maintenance+taxes-12.800 €

− Own rent for period-56.957 €

= Net total—

D · RENOVATION CYCLE SCENARIO

+ Flip income35.549 €

− Own rent for period-56.957 €

= Net total—

E · SHORT-TERM LET SCENARIO

+ Rent income (no infl.)77.413 €

Long-term rent €/mo-48.000 €

− Maintenance+taxes-27.000 €

− Own rent for period-56.957 €

= Net total—

Scenario summary · under your assumptions

Modeled result · not advice

Highest modeled scenario

A · Buy a home

Shows a higher modeled result than Bank deposit over 60 months under your assumptions.

Modeled net advantage

+54.390 €

≈ +907 € / mo

What drives this modeled result

Higher modeled net position vs Bank deposit (54.390 €).
Stronger compound growth rate under your assumptions.
Property appreciation (6% / yr) offsets ownership costs.
The alternative ends below the starting capital in this model.

Break-even point

Year 1 — leading scenario overtakes the alternative.

Main risk

This result is most sensitive to property appreciation (±10% shifts the modeled outcome by ~3.064 €).

🔒 Property Scenario Report

Export a structured scenario report based on your inputs and assumptions.

Includes:

Scenario summary
Target return comparison
Cash flow breakdown
Financing assumptions
Sensitivity overview
Educational disclaimer

ⓘ This report is an educational scenario model based on user-provided inputs and assumptions. It is not financial, investment, tax, mortgage, or legal advice. Calc.estate does not recommend whether to buy, sell, rent, borrow, or invest.

Need more than one report? Pro includes unlimited scenario reports, sensitivity tools, saving, sharing, and exports.

🔒 Unlock the full risk report to see how rent growth, vacancy, mortgage rate, appreciation and selling costs affect your result.

Educational what-if model. Results are calculated only from your inputs. Not a forecast, not a recommendation, not financial advice.

Outcome summary

Over 60 months, scenario A · Buy a home gives the highest modeled result under your current assumptions (8.633 € net change). The next scenario in this comparison is B · Bank deposit (-45.757 €). This outcome is most sensitive to property appreciation (a 1pp change shifts the modeled result by ~5.146 €).

This is not a recommendation. Results are calculated only from your inputs.

ⓘ Educational what-if model. Not a forecast, not a recommendation, not financial, tax or legal advice. Your inputs are your assumptions.

Pro

Pro unlocks all scenarios and stress tests

C, D, E scenarios, sensitivity to assumptions, PDF report export and saved calculations.

No charge today. Cancel anytime.

Sensitivity analysis

Pro

Your result depends on assumptions. Pro shows whether the modeled result survives if inflation, rent growth, appreciation or deposit rates are wrong by ±2%. Example: base case may show rental property with a higher modeled result — but if appreciation is lower and maintenance higher, the picture can change. Stress-test before you act.

Scenario

Conservative

Base case

Optimistic

A · Own home

-2.856 €

8.633 €

20.977 €

B · Deposit

-52.104 €

-45.757 €

-38.747 €

C · Rentals x2

—

—

—

D · Reno cycle

—

—

—

E · Short-term

—

—

—

Unlock scenario stress testing

Compare conservative, base and optimistic cases for every scenario to test how stable your model is.

Educational sensitivity probe based on your own inputs. Not a forecast and not a recommendation.

Transparent by design

✓Your inputs drive every result
✓No hidden recommendations
✓No market predictions
✓Assumptions are editable
✓Outputs are arithmetic projections, not advice

Pricing

Pro turns a quick calculation into a shareable scenario model. Cancel anytime. 30-day money-back guarantee.

Educational what-if calculator. Not investment, financial, tax or legal advice.

Single Report

€9.90 one-time

Best for one property scenario.

Download one Property Scenario Report for a single calculated scenario.

Buy one report

Free

€0/month

✓ Run and compare every scenario (buy, rent, deposit, rental, flip, short-term rental)
✓ Adjust every assumption (inflation, rent growth, mortgage, appreciation)
✓ Country presets and guided scenario templates
✓ Multi-language UI (EN, RU, UK, EL, DE, ES, PT)

Pro

Recommended

€14.99/month

Best for comparing multiple properties.

Unlimited scenario reports, sensitivity tools, saving, sharing, and exports.

7-day free trial — cancel anytime, no charge if you cancel before it ends.

✓ Save your real scenarios and compare them later
✓ Scenario PDF report to review offline or with a partner
✓ Sensitivity analysis: stress-test conservative, base and optimistic cases
✓ Share a scenario link instead of sending screenshots
✓ Scenario history — track how your decision evolves as rates and rent change
✓ CSV export of full model
✓ Target Return: mortgage financing (leverage, rate, term, amortization)
✓ Target Return: price-to-target solver
✓ Target Return: required capital solver
✓ Target Return: sensitivity table (rent, vacancy, maintenance, mortgage rate)
✓ Save, share and export Target Return scenarios (PDF & CSV)
✓ Priority support

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Who this is for

Use this when you're asking:

What changes if I buy now vs wait?
Does renting and keeping cash on deposit show a lower modeled result?
Will a rental property beat a bank deposit after taxes and maintenance?

Outcomes

What you'll know after 5 minutes

Which scenario has the highest modeled result under your assumptions

Which variable affects the result most

Whether the modeled result is stable enough to discuss further

How it works

From assumptions to scenario output

STEP 1
Enter assumptions
Capital, rent, inflation, growth
STEP 2
Compare scenarios
Buy, rent, wait, deposit, rental property
STEP 3
Stress-test the result
Conservative / base / optimistic
STEP 4
Save or export
PDF, share link, scenario history

Built forRent vs buy · Buy now vs wait · Deposit vs rental property · Airbnb · Renovation