Should you buy or keep renting?
Compare where you’ll stand financially after buying with a mortgage versus renting the same apartment and investing the difference.
A personal tool, not professional advice. These are calculation tables I built for my own decisions and now share freely. Please check every figure and assumption yourself before relying on it.
The apartment
Monthly rent for a comparable apartment
₪625,000
Until you sell or move
Mortgage
Average rate across your mortgage
Monthly take-home pay, used to check the Bank of Israel affordability limit
Buying comes out ahead
+₪206,693
Net worth over time
What it costs today
Your mortgage
What if…
Prices grow 1.5 pts slower
Renting wins
+₪250,640
Prices grow 1.5 pts faster
Buying wins
+₪728,151
Investments return 2 pts more
Renting wins
+₪64,095
You stay half as long
Renting wins
+₪76,836
These calculators are spreadsheets I originally made for my own use, shared as they are to help you think things through. They give estimates based on the published rates for the current tax year and on the assumptions you enter, and they may contain errors or simplifications. They are not tax, legal or financial advice: check all the information yourself and with a licensed accountant, lawyer or mortgage adviser before making any decision.
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