Should You Buy in Helsinki
or Keep Renting?
Compare long-term housing costs, mortgage equity, investment growth, and inflation-adjusted outcomes — all in one place.
Start from a listing
Paste an Oikotie listing URL and we'll pre-fill the calculator for you.
Sample result · Default assumptions
€350k apartment · 30 year horizon
Buy net worth
€637k
Home equity after 30 yrs
Rent + invest
€452k
Portfolio after 30 yrs
Monthly · Buy
1 903 €
Mortgage + fees + repairs
Monthly · Rent
1 400 €
Starting rent
🏠 Buying builds €186k more wealth in this scenario
With realistic defaults. Your numbers will vary.
These are illustrative estimates. Enter your own numbers →
What this calculator does
Real mortgage math
Calculates your exact monthly payment, splits it into interest vs. principal, and tracks your equity month by month.
Invest the difference
What if you rented and invested the money you'd have spent on a down payment and monthly cost difference?
Inflation-adjusted
Shows both nominal and real (inflation-adjusted) values so you know what your money is actually worth.
Interactive charts
Visual breakdowns of net worth, equity growth, mortgage balance, and portfolio value over time.
Scenario testing
Conservative, realistic, and optimistic presets. Test what happens if rates rise or returns fall.
Finnish context
Built for the Helsinki market with BSP/ASP loan support, local maintenance fees, and Finnish norms.
How it works
- 1
Enter your numbers
Fill in the apartment price, down payment, interest rate, monthly rent, and your expected returns. Sensible defaults are pre-filled.
- 2
Pick a time horizon
Choose 5, 10, 20, or 30 years. The calculator runs month-by-month simulations for both scenarios.
- 3
See the comparison
Get a clear net worth comparison, monthly cost breakdown, and interactive charts — updated instantly as you type.
- 4
Test assumptions
Use the Conservative / Realistic / Optimistic presets or adjust individual inputs to stress-test your decision.
This calculator provides illustrative estimates only and does not constitute financial, tax, or investment advice. Actual loan terms, investment returns, housing prices, inflation, and housing costs may differ significantly from projections.