Rent renewal or moving: break-even calculator
Compare confirmed rent and one-time costs, monthly savings and 1–3-year totals.
Compare confirmed rent and one-time costs, monthly savings and 1–3-year totals.
An input-based household comparison, not legal or contract judgment, brokerage, investment or tax advice. Check deposit return conditions in your lease and with the landlord or agent. No fees, refund rates or country charges are inferred. Use one currency throughout and replace illustrative defaults. Renewal charged once at the start. Deposit excluded from permanent cost and period totals, included in cash needed. Monthly changes: positive if the new home costs more, negative if less. Repeated renewal fees and rent changes excluded.
Inputs are calculated only in your browser; never sent to the server, analytics or URL.
Method
Current / renewed · Monthly average = Current / renewed · Rent + Current / renewed · Housing fees; New home · Monthly average = New home · Rent + New home · Housing fees + Monthly commute change (new − current, optional) + Monthly utility change (new − current, optional)
One-time costs = Moving cost + Cleaning / disposal + Broker / application fees + Utility setup + Furniture / appliances + Other non-refundable costs
Monthly savings = Current / renewed · Monthly average − New home · Monthly average; Net switching cost = One-time costs − One-time renewal fee (optional); Break-even months = max(0, Net switching cost ÷ Monthly savings) (Monthly savings > 0)
Total (12 / 24 / 36 months) = One-time costs + Monthly average × 12 / 24 / 36
Renewal charged once at the start. Deposit excluded from permanent cost and period totals, included in cash needed. Monthly changes: positive if the new home costs more, negative if less. Repeated renewal fees and rent changes excluded.
Notes
An input-based household comparison, not legal or contract judgment, brokerage, investment or tax advice. Check deposit return conditions in your lease and with the landlord or agent. No fees, refund rates or country charges are inferred. Use one currency throughout and replace illustrative defaults.