Co porównuje kalkulator?

Sumę wydatków na wynajem (czynsz × liczba miesięcy) oraz sumę rat kredytu w wybranym okresie. Różnica pokazuje, o ile więcej lub mniej zapłacisz przy kredycie niż przy wynajmie. Nie uwzględnia wzrostu czynszu ani wartości nieruchomości na koniec.

Czy kalkulator uwzględnia wzrost czynszu?

Nie. Przyjmuje stały czynsz przez cały okres. W praktyce czynsz może rosnąć (indeksacja), co zwiększa łączne koszty wynajmu. Wynik ma charakter poglądowy.

Rata kredytu vs czynsz — kiedy kupno się opłaca?

Zależy od wysokości raty, czynszu, wkładu własnego i czasu. Po spłacie kredytu zostajesz właścicielem; przy wynajmie — nie. Kalkulator pokazuje tylko przepływy (sumy), nie wartość nieruchomości na koniec.

Czy to porada inwestycyjna?

Nie. Kalkulator ma charakter informacyjny. Decyzja wynajem vs kupno zależy od wielu czynników (wkład, zdolność, plany). W razie wątpliwości skonsultuj się z doradcą.

Prawopro

Mortgage payment vs rent — calculator

Enter instalment and rent — see the difference over time and total costs. Loan instalment vs rent comparison.

How does the calculator work?

Compares total outlays over the chosen period: rent (leasing) vs loan repayments (buying). The difference shows how much more or less you pay with a loan than with renting. Simplified: we do not include rent increases, property value at end, down payment or transaction costs. The calculator is indicative — not investment advice.

Conditions and limitations

• Rent and payment are assumed constant over the period (no indexation, no payment change).
• We do not include property value at end (e.g. on sale).
• We do not include down payment, notarial costs, PCC or insurance.
• The calculator is for information only — not investment or legal advice.

Examples

• Rent 3,000 PLN, payment 4,500 PLN, 10 years → total rent 360,000 PLN, loan 540,000 PLN (difference +180,000 PLN). • Rent 5,000 PLN, payment 4,000 PLN, 5 years → total rent 300,000 PLN, loan 240,000 PLN (difference −60,000 PLN). The calculator does not include rent increases or property value at end.

FAQ

What does the calculator compare?: Total spending on rent (rent × number of months) and total loan payments over the chosen period. The difference shows how much more or less you pay with a loan than with renting. It does not include rent increases or property value at the end.
Does the calculator include rent increases?: No. It assumes a constant rent over the period. In practice rent may rise (e.g. indexation), which increases total rental cost. The result is indicative.
Why is there no property value at the end for the loan?: The calculator only counts flows (payments). With a loan, after repayment you own the property (value at end); with renting you do not. The rent vs buy decision also depends on that value and transaction costs — the calculator does not assess that.
Is the result investment advice?: No. The calculator is for information only. The decision to rent or take a loan depends on many factors (down payment, affordability, market, life plans). If in doubt, consult an adviser.

Legal basis

As of: 2026-02-01.

Legal information

Calculations are for information and estimation only. They do not constitute legal, tax or other professional advice. For individual matters, consultation with a lawyer, tax adviser or other specialist is recommended.

Legal basis

Rent — Civil Code (lease). Loan — banking law. The calculator is for information only; not investment or legal advice.