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Should you buy or rent a home?

Should you buy or rent a home?

Compare buying with a mortgage against renting and investing the difference. See how long the home takes to pay off and how your net worth grows.

Verdict
Renting and investing wins
Net worth gap
R$1,489,235
Buying breaks even in
More than 15 years
Your numbers
Property and mortgage
Ownership costs
Rent and investing
Net worth over time
Over 15 years
BuyingRenting and investing
Year 0Year 15
Net worth if buying
R$532,245
Renting and investing
R$2,021,480
Avg. cost of buying
R$5,929/mo
Avg. rent
R$3,596/mo
Monthly cost breakdown
Financing61%R$3,622
Insurance2%R$125
IPTU7%R$432
Condo fee19%R$1,151
Maintenance10%R$599

Educational estimate. We don't store any data.

FEATURES

Stop spending time organizing your finances.

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Automatic categorization

Every transaction goes into the right category, automatically.

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Income

+ R$ 1.200

Installments

R$ 1.764

Subscriptions

R$ 353

Variables

R$ 1.432

Limit

R$ 12

/ R$ 7.200

Set a limit and see how much you can spend

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Bakery

R$ 21,45

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Netflix

R$ 34,90

Subscription

Santander logo, connected to Visor through Open Finance

Uber

R$ 15,80

Santander logo, connected to Visor through Open Finance

Secure

R$ 174,00

Subscription

Nubank logo, connected to Visor through Open Finance

Groceries

R$ 34,90

AI-powered subscription detection

R$ 67,02

1/6

R$ 20,00

6/12

R$ 256,23

5/10

R$ 19,29

7/12

Installment tracking

Spending pace

June

R$ 2.864,32

Spending pace

June

R$ 2.864,32

Spending pace

June

R$ 2.864,32

Personalized financial insights

Visor analyzes your spending and flags what needs attention, with practical suggestions to help you act in time.

The choice is yours

You already have everything you need to understand your finances and achieve what matters to you.

You already have everything you need to understand your finances and achieve what matters to you.

You already have everything you need to understand your finances and achieve what matters to you.

Visor connects your accounts, organizes your spending and shows whether your goals are within reach. No spreadsheets or guesswork, just you, Visor and your data.