Real Estate Scenario Calculator — Compare Property Scenarios

Worked example, already computed

Own home or deposit — which scenario shows the higher modelled value?

Greece preset · €100.000 capital · €800 rent · €180.000 house · 2,7 % CPI · 60 months

A · Own home scenario

14.453 €

B · Bank deposit scenario

−45.757 €

Gap between the two scenarios

60.210 €

Horizon · 60 moBreak-even month · 16 mo

A model, not a recommendation. Every figure follows from the assumptions above.

Start from your own question

Try it with your own numbers

Three inputs recompute the figure above. Everything else keeps the preset values.

Capital100.000 €

10.000 €500.000 €

Rent per month800 €

200 €3.000 €

House price180.000 €

30.000 €900.000 €

Horizon, mo

How the model works

Method

Each scenario is simulated month by month: capital compounds, rent and construction costs inflate, purchases carry transaction and maintenance costs, and mortgages use a real amortization schedule. Nominal and inflation-adjusted values are shown side by side.

Sources

Country presets start from published figures (Eurostat, ECB, BIS, World Bank). Where a live figure is used it carries a source stamp with its period. Every value stays editable — the model uses your assumptions, not ours.

What the model does not account for

Personal tax situations, local legal fees, market shocks, vacancy beyond your input, currency moves, and the value of living where you want. Results are illustrative, not a forecast.

Three more scenarios stay closed on Free

Free models own home (A) and deposit (B) in full. Long-let, flip and short-let stay as em-dashes until Pro.

C · Two rentals scenario—

D · Renovation cycle scenario—

E · Short-term let scenario—

What it costs to keep the whole model

€14.99/month · €99/year ≈ €8.25/month −45 %

Is this financial advice?

No. It is an educational what-if calculator. It shows what follows from the assumptions you enter and never ranks or recommends anything.

What if I cancel?

The trial lasts 7 days and charges nothing if you cancel before it ends. Paid months are covered by a 30-day money-back guarantee.

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Get started

Start from a scenario template

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

Which scenario shows the highest modelled value?

Highest modelled value in 60 mo

108.633 €

A · Own home scenario

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

Horizon · 60 mo

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, mo

Metric

Values

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%

Derived figures · 60 mo

Purchase power loss11.615 €

Your rent / mo1.122 €

Renovation11.877 €

Net rate2.13%

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

How it is modelled

Every month of the horizon is recomputed from your own assumptions: price growth, rent and CPI inflation, costs, taxes and interest. Nothing is filled in for you.

Not financial 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.

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.

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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.

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.

One scenario PDF report
Target return comparison
Cash flow breakdown
Sensitivity snapshot
Educational scenario output

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Model and compare two scenarios: own home (A) and deposit (B)
Adjust every assumption (inflation, rent growth, mortgage, appreciation)
Country presets, market data and guided scenario templates
Multi-language interface (EN, RU, UK, EL, DE, ES, PT)

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Best for comparing multiple properties.

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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)
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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