Buy or rent in Oud-Zuid?
Oud-Zuid · Amsterdam
Oud-Zuid is the city's blue-chip district — larger period apartments near the Vondelpark and museums, priced to match. At this level Box 3 on a renter's deposit and the mortgage interest relief on a large loan both move real money, which the calculator counts on both sides.
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 Oud-Zuid.
Oud-Zuid 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.