Buy or rent in IJburg?
IJburg · Amsterdam
IJburg is Amsterdam's newest district: purpose-built islands with family-sized, energy-efficient homes and water everywhere. Much of it is on erfpacht (ground lease), so if your canon isn't bought off, add it in the calculator — it's a recurring cost renting avoids.
What the calculator counts
Most buy-vs-rent tools stop at the mortgage payment. This one counts every Dutch cost and tax on both sides — overdrachtsbelasting, notary, VVE, OZB, maintenance, mortgage interest relief (hypotheekrenteaftrek), the eigenwoningforfait and Box 3 wealth tax on the renter's invested deposit — then compares how much wealthier you are after your chosen number of years in IJburg.
IJburg note: parts of Amsterdam are on erfpacht (ground lease). If your canon isn't bought off, add the annual amount in the calculator — it's a real recurring cost that renting avoids.