Rent Cost Calculator

With the calcimo rent cost calculator you see in seconds how much net cold rent you will pay in total over the coming years. Enter your current rent, the period and an assumed rent increase. The yearly overview shows how every increase adds up year by year.

Calculate rent costs

Monthly net rent

€

Please enter your monthly net rent.

Enter the net monthly rent (without utilities).

Period (years)

Assumed annual increase

Total rent over period

—

Yearly overview

Rent per year and cumulated over the selected period.

Total costs: —
Monthly rent in the final year: —
Caused by rent increases: —

Year 1

Yearly overview
Year	Yearly total	Cumulative total

Values are estimates and rounded. Utilities are not included.

Plan rent costs with realistic growth

Using a 5% annual rent increase near the legal cap, this rent cost calculator shows how strongly housing costs can rise over 25 years.

Compare renting vs buying with clear numbers

Use the yearly and cumulative overview to compare renting and buying property more objectively and make better budget decisions.

Prepare your home purchase strategically

Knowing your total rent outflow helps you plan financing, equity, and realistic purchase prices with much more confidence.

How your rent costs build up

1Cold rent × 12 months

2Annual rent increase

3Total over all years

Every year starts with the increased rent of the previous year. That is why costs do not grow evenly but compound.

How to use the rent cost calculator effectively

Example: 900 € cold rent

Cumulative cold rent without and with a 5% increase per year

Without increase
With 5% increase

After 10 years: Without increase: 108.000 € With 5% increase: 135.841 €
After 15 years: Without increase: 162.000 € With 5% increase: 233.048 €
After 25 years: Without increase: 270.000 € With 5% increase: 515.453 €

How the rent cost calculator works

This calculator helps you understand how rent accumulates over time. The yearly overview shows both yearly costs and the cumulative total for each year.

Check the cumulative total after 10, 15, and 25 years first.
Compare those values with your potential financing range.
Include reserves for side costs and maintenance in your planning.

Compare renting and owning

To compare renting with buying, use the purchase price potential calculator for a first purchase-price estimate based on your current monthly burden.

Frequently asked questions

How does the rent cost calculator estimate rent over 25 years?

The calculator takes your current net cold rent and increases it every year by the assumed rate. This gives the rent per year and the total paid up to each year. Example: EUR 900 cold rent with a 5 % increase adds up to EUR 10,800 in the first year and more than half a million euros after 25 years.

Why does the calculator assume a 5 % rent increase per year?

In Germany, existing rents may rise towards the local comparative rent by at most 20 % within three years, or 15 % in tight housing markets. Index and graduated rents follow their own rules. 5 % per year is therefore a deliberately cautious assumption that rather overestimates than underestimates your housing costs.

Which costs are not included in the result?

The calculator only covers net cold rent. Running costs such as heating, water and waste apply to renting and owning alike, so they are left out. For a fair comparison with ownership, also plan for maintenance and reserves on the ownership side.

Is renting money down the drain?

Not necessarily. Rent buys flexibility and protects you from risks such as repairs or interest rate changes. Ownership pays off mainly if you stay for a long time and can carry the financing permanently. The purchase price potential calculator shows which purchase price your current rent could support.

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Calculate equity

Find out how much equity you need for your property purchase.

Check equity

Background reading for this calculator

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Why Equity Matters More Than Many People Think

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Too little budget, forgotten costs or underestimated repairs: these are the mistakes property buyers should avoid.

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Disclaimer

The information in this tool is provided without guarantee of accuracy. It is only intended as a rough guide and does not replace professional legal, tax, or financial advice. The development of the calculations was carried out without formal training in these areas and is based solely on personal research and experience.