Net Wealth Accumulation Simulator · Spain 2026

Should I buy or rent in Spain? True Break-Even Year

Compare buying equity vs renting and investing your cash down payment into low-cost global index funds.

Scenario Parameters

Target Property Purchase Price (€)

€

Equivalent Monthly Rent (€/month)

€/mo

Region in Spain

Mortgage Rate (%)

Annual Market Assumptions

Property appreciation (%/yr)

Index fund return (%/yr)

Financial Break-Even Horizon

Estimated Monthly Mortgage

—

vs — monthly rent

⚖️

Analyzing long-term net wealth trajectory...

Extra Net Wealth Accumulated if Buying

At Year 5—

At Year 10—

At Year 20—

A lower mortgage rate pulls your break-even year closer

Compare preferential non-resident mortgage offers across Spanish banks.