Hyra eller Köpa? A Swedish BRF Calculator

Everyone has an opinion on whether you should buy a bostadsrätt. Your parents, your colleagues, that guy at the dinner party. But the math really depends on your situation. How long are you staying? What's the market doing? What could your down payment earn elsewhere? This calculator is built for Swedish BRF lägenheter, with ränteavdrag, avgift, and all the rest. It won't tell you what to do, but it'll show you the real numbers.

Rent

SEK/mo

Buy - Price & Loan

SEK
%
%
% /year

Buy - Monthly Costs

SEK/mo
SEK/mo
SEK/mo
Settings
years
%
% /year
Total rent (3 years)
900 000 SEK
Down payment
750 000 SEK
Monthly cost (buying)
12 500 SEK
(incl. 7 083 SEK amortization)
Break-even market
+6%

Net Result at Different Market Scenarios

Detailed Breakdown

Calculated at 0% market change

Renting

Monthly rent x 36 months -900 000 SEK
Investment returns on 750 000 SEK +168 769 SEK
Total -731 231 SEK

Buying

BRF + operating costs x 36 mo -205 200 SEK
Interest (after 30% deduction) x 36 mo -340 200 SEK
Agent fee (2%) -100 000 SEK
Equity built (amortization) +255 000 SEK
Total net -390 400 SEK
Note: Calculation includes 30% interest deduction (ränteavdrag), 22% capital gains tax on property profit (kapitalvinstskatt, after the 22/30 kvotering), and opportunity cost of the down payment (what it could earn if invested instead). No capital gains tax applies on property losses. Amortization counts as equity building, not a cost. Investment returns are shown pre-tax for simplicity.