Mortgage Calculator

Compare buying vs. renting with investment returns

Made by Bhaskoro Muthohar
Make Better Financial Decisions

This calculator helps you compare the financial outcomes of buying vs. renting a property, considering mortgage costs, rent expenses, and potential investment returns.

Mortgage Calculator

Rp
Please enter the property price.
Example
Apartment: Rp 500,000,000
Small House: Rp 1,000,000,000
Large House: Rp 2,500,000,000
%
Please enter a valid percentage between 0 and 100.
Typical Values
Minimum: 10%
Common: 20%
For a Rp 1,000,000,000 home:
20% = Rp 200,000,000 upfront
%
Please enter a valid interest rate.
Typical Values
Low: 5%
Average: 7%
High: 9%
years
Please enter a valid fixed interest duration.
Typical Values
Common: 2-5 years
During this time, your interest rate won't change
years
Please enter a valid mortgage term.
Typical Values
Common: 15, 20, or 30 years
Longer term = lower monthly payment, but more total interest paid
%
Please enter a valid interest rate.
Typical Values
Usually 1-2% higher than the fixed rate
If fixed rate is 7%, floating might be around 8-9%
Rp
Please enter the monthly rent amount.
Example
Small Apartment: Rp 3,000,000/month
House: Rp 5,000,000 - 15,000,000/month
Luxury: Rp 20,000,000+/month
%
Please enter a valid investment return rate.
Typical Values
Conservative: 4-6% (safer investments)
Moderate: 7-9% (balanced portfolio)
Aggressive: 10-12% (higher risk)

© 2023-2025 RealEstimate. All calculations are estimates for illustrative purposes only.