How this Dutch calculator works

The Netherlands version handles the parts that generic rent-vs-buy tools usually skip: Hypotheekrenteaftrek (mortgage interest deduction, capped at the ~36.97% ceiling rate), the Eigenwoningforfait added back to taxable income, OZB on the WOZ value, the 2% transfer tax (overdrachtsbelasting) with the optional starter exemption, NHG eligibility and the rate discount it brings, and Box 3 wealth tax on the renter's portfolio above the per-person threshold (doubled if you toggle the partner option).

Both households start with the same liquid wealth — down payment plus buy-side closing costs. The buyer spends it on the house; the renter invests it. Each month, the lower-outflow side invests the difference. Once a year, the net Dutch tax effect (HRA refund minus the EWF drag, plus the Box 3 hit on the renter's portfolio) is folded into the cash flow so the following year's differential reflects it.

Inputs cover home price, down payment, mortgage rate and term, your marginal income tax rate, the partner toggle, NHG, and expected portfolio returns. WOZ defaults to the home price; edit it if your municipality's WOZ valuation differs. See the Methodology page for parameter sources and the per-year math.