If you’re planning to live in the Netherlands, you’ve probably asked yourself whether it’s better to rent or buy a house. With interest rates, property prices, and taxes constantly changing, making the right decision is not easy.
To help you, I’ve created a free Google Spreadsheet that compares the financial impact of renting versus buying in the Netherlands. This tool is based on real-life scenarios and assumptions relevant to 2025, especially for young buyers and expats.
Why This Calculator Is Different
Many online tools use generic data that doesn’t reflect how the Dutch system works. That’s why this calculator is designed specifically for people under 35 or those moving to the Netherlands, using realistic values and Dutch tax rules.
This file allows you to test different situations, update key numbers, and see the long-term impact on your finances.
Key Assumptions Used in the Calculator
Utilities are assumed to be equal for both renting and buying
The difference between the mortgage payment and the rent is invested monthly
The buyer is under 35 years old, which can influence taxes and mortgage terms
Investment taxation is based on Dutch regulations as of 2025
What You Can Simulate
Once you copy the spreadsheet, you can enter your own values including:
Monthly rent
Purchase price of the house
Mortgage interest rate
Expected annual return on investments
The calculator will show you how your net worth evolves over time depending on whether you rent or buy. It helps you compare short-term costs with long-term financial benefits, and make informed decisions.
Who Should Use This File
Expats living or moving to the Netherlands
Young professionals and first-time buyers
Anyone comparing the financial impact of renting versus buying
Those planning ahead and looking to make data-driven housing choices
Access the Calculator
You can access and duplicate the spreadsheet using the link below:
Rent vs Buy Calculator – Netherlands 2025
Once you open the file, make a copy to edit. All key inputs are marked, and the results update automatically. It’s easy to use even if you have no background in finance.
Conclusion
This rent vs buy calculator is a practical tool to help you evaluate one of the most important financial decisions of your life. Whether you are considering settling in the Netherlands long-term or just looking for clarity, this sheet gives you a solid foundation to work from.
If the file has helped you, feel free to share it with others who may benefit from it. The more informed we are, the better choices we make.