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Buy Or Rent Simulator

Financeby MMEDIA LTD
Open in ChatGPTWebsite
Launched Mar 25, 2026 on ChatGPT

Make the most informed real estate decision with a comprehensive Buy vs. Rent simulator. This app provides an objective, data-driven analysis to determine if buying a property is truly more profitable than renting and investing your capital elsewhere.

By integrating historical and projected IMF inflation data for your specific country, the simulator tracks the real value of your money year after year. It provides a complete financial breakdown from your first mortgage payment to the final resale, ensuring you stay objective based on your unique project.

Key features:

  • Uses country-specific IMF inflation data for realistic long-term projections
  • Compares the cost of buying with potential returns of alternative investments (stock market, savings, etc.)
  • No account or registration required — start simulating immediately
  • Toggle advanced parameters and view a full amortization table to understand every payment of your mortgage

Adjustable parameters:

  • Property: Purchase price, notary fees, renovation costs, and agency fees
  • Financing: Down payment, loan duration, mortgage rate, insurance, and prepayment penalties
  • Rental: Monthly rent and projected annual rent increases
  • Market Logic: Resale horizon, country-specific inflation (IMF), and alternative investment yield
  • Costs: Local property taxes and maintenance

Get a clear, visual report on your break-even point and see exactly when ownership starts to pay off.

1ChatGPT Tools
MMEDIA LTDDeveloper
FinanceCategory

Available Tools

Simuler Achat vs Location

run_simulation
Full Description

Exécute une simulation complète pour comparer l'achat immobilier vs la location. Affiche un graphique Owner vs Tenant. IMPORTANT: If user mentions a country (e.g. 'in Canada', 'in Mexico', 'Singapore', 'France', 'pour la Belgique'), extract it and send as 'country' parameter with ISO code (CAN, MEX, SGP, FRA, BEL, etc.).

Parameters (0 required, 14 optional)
Optional
agency_feesnumber

Frais agence (%)

Default: 4
annual_inflationnumber

Inflation (%)

Default: 1.5
countrystring

Country ISO code (3-letter). Supported: USA/CHN/DEU/JPN/IND/GBR/FRA/ITA/BRA/CAN/RUS/MEX/AUS/KOR/ESP/IDN/SAU/NLD/TUR/CHE/POL/TWN/BEL/ARG/IRL/SWE/AUT/ISR/ARE/SGP/NOR/THA/BGD/PHL/VNM/DNK/EGY/IRN/MYS/HKG/ZAF/COL/NGA/CZE/ROU/CHL/PAK/FIN/PRT/IRQ/KAZ/PER/NZL/DZA/GRC/HUN/QAT/UKR/KWT/MAR/SVK/DOM/ECU/PRI/BGR/GTM/KEN/OMN/UZB/AGO/CRI/HRV/GHA/CIV/LTU/LUX/PAN/SRB/LKA/TZA/AZE/BLR/SVN/URY/MMR/COD/TKM/CMR/JOR/TUN/UGA/BHR/BOL/KHM/EST/LVA/LBY/MAC/NPL/PRY. Extract from prompt if user mentions a country (e.g. 'in Poland'→POL, 'au Maroc'→MAR). If not mentioned, omit.

down_paymentnumber

Apport

Default: 10000
investment_ratenumber

Taux placement (%)

Default: 5
languagestring

Langue réponse (fr/en)

Default: fr
loan_durationnumber

Durée prêt (années). ONLY include if user explicitly specifies. Default: 15 if omitted.

loan_ratenumber

Taux prêt (%)

Default: 3.6
monthly_rentnumber

Loyer

Default: 680
notary_feesnumber

Frais notaire (%)

Default: 7
property_taxnumber

Taxe foncière (€)

Default: 450
property_valuenumber

Prix du bien

Default: 180000
resale_yearsnumber

Horizon revente (années). ONLY include if user explicitly specifies. Default: 7 if omitted.

variation_centernumber

Centre variation (%)

Default: 0

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