Move vs Stay
Compare the financial and quality-of-life impact of moving to a new home versus staying put.
Enter Your Values
Using shared profile · 3,500/mo · EUR — edit on Dashboard
Results update automatically as you change values.
What-If Scenarios
Results update instantlyCost Breakdown
Stay vs Move Cost
Click chart to expand
Side-by-Side Comparison
Bars show relative size · ✓ marks the better option- Monthly Rent
- €900
- 3-Year Total
- €32,400
- Commute Savings/mo
- €0
- Monthly Rent
- €1,100
- 3-Year Total
- €36,200
- Commute Savings/mo
- €150
| Factor | Stay | Recommended Move |
|---|---|---|
| Monthly Rent | €900 | €1,100 |
| 3-Year Total | €32,400 | €36,200 |
| Commute Savings/mo | €0 | €150 |
Moving saves €3,800 over 3 years, plus €150/month in commute savings.
Scenario Analysis
How the outcome shifts if your assumptions turn out better or worse than expected.
Best-case outcome with favorable assumptions.
Most likely outcome based on your inputs.
Conservative outcome with cautious assumptions.
Compare Scenarios
Pin up to 3 and see them side by sideSet your inputs, then Pin current to save this scenario. Pin a few variations to compare their scores and outcomes here.
What Moves the Needle Most
How much each factor changes your Stay (3yr) across its full range. Time Horizon has the biggest impact.
Focus your attention on Time Horizon — getting it right matters most. Factors lower down move the result less, so rough estimates there are fine.
Confidence & Assumptions
The outcome is fairly stable across best and worst cases — this is a robust decision.
Stay (3yr): €32,400 (worst) → €32,400 (expected) → €32,400 (best)
These are the estimates the result depends on. Adjust them (and the Advanced inputs) to match your real situation — the closer they are to reality, the more reliable your decision.
These estimates are for informational purposes only and do not constitute financial advice. Actual results may vary based on factors not captured in this calculator.
How This Calculator Works
What this calculator does
Compare the total cost of staying in your current home versus moving to a new place.
How the calculation works
Calculates total housing cost over your time horizon including moving costs and commute savings.
Formula
Stay Cost = Current Rent × 12 × Years; Move Cost = New Rent × 12 × Years + Moving − Commute Savings
Example
Moving to a closer apartment costs €200/month more in rent but saves €150/month in commute — is it worth it?
How to Use This Calculator
- 1Enter your numbers
Fill in the inputs for Move vs Stay. Defaults are realistic starting points — replace them with your actual figures.
- 2Understand the calculation
Calculates total housing cost over your time horizon including moving costs and commute savings.
- 3Review results and scenarios
Check metrics, cost breakdown, comparison tables, and best / expected / worst scenarios. Use sliders to stress-test assumptions.
- 4Decide with the verdict
Read the decision engine recommendation and FAQ. Example: Moving to a closer apartment costs €200/month more in rent but saves €150/month in commute — is it worth it?
Factors to Consider
- Quality of life matters beyond finances
- Moving costs are one-time
- Shorter commute has health benefits
Common Mistakes
- Ignoring lease break penalties
- Underestimating moving costs
Frequently Asked Questions
How do I value quality of life?+
Rate the new place 1-10. Higher rent may be worth it if quality of life improvement is significant.
This calculator provides estimates for informational purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a qualified professional before making important financial decisions.
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