Real Estate Scenario Calculator — Compare Property Scenarios

Scenario modeling · Educational what-if model

Before buying property,
test the numbers.

Compare buy vs rent, buy now vs wait, deposit, rental property, renovation and short-term rental scenarios — using your own capital, rent, inflation and growth assumptions.

Educational model, not financial advice. Built to help you stress-test your own assumptions before using these assumptions further.
01
Pick a scenario
Choose a template or start blank.
02
Set your assumptions
Inflation, growth, mortgage, horizon.
03
Compare outcomes
See how trade-offs evolve side by side.
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

01
Which scenario has the highest modeled result under your assumptions
02
Which variable affects the result most
03
Whether the modeled result is stable enough to discuss further
How it works

From assumptions to scenario output

  1. STEP 1
    Enter assumptions
    Capital, rent, inflation, growth
  2. STEP 2
    Compare scenarios
    Buy, rent, wait, deposit, rental property
  3. STEP 3
    Stress-test the result
    Conservative / base / optimistic
  4. STEP 4
    Save or export
    PDF, share link, scenario history
Built forRent vs buy · Buy now vs wait · Deposit vs rental property · Airbnb · Renovation
Get started

Start from a scenario template

Each template prefills the calculator below. You can change any assumption afterwards.
ⓘ 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 €
Highest modeled result under current assumptions over 60 moBuy a house & live in itnom: 8.633 €real: 7.630 €Not investment advice

Scenario Parameters

Country / preset
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 ITHighest modeled result under current assumptions
+ 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.
Prepare a scenario report

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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

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Download one Property Scenario Report for a single calculated scenario.

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  • ✓ 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)

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Best for comparing multiple properties.

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

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  • ✓ 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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