It is not financing
No lender is involved and no interest is modelled. Whether a purchase can be completed at the end depends on the buyer’s own means or mortgage at that time.
Rent-to-own calculator
See how each payment builds toward owning the home.
A rent-to-own plan is four numbers held together by one rule: what you pay at the start, what you pay each month, how long you pay it, and what is left to settle at the end must add up to the purchase price. Move any one of them below and the others follow.
Run your own numbers
Set the plan and see how each payment fits the purchase price.
Financed over 12 months€87,996
Monthly payment€7,333 / mo
Monthly payment€7,333
for 12 months
- Initial payment
- €55,000
- Monthly payments (12 × €7,333)
- €87,996
- Final balance
- €132,004
- Purchase price
- €275,000
Purchase completed by
€275,000 purchase price = €55,000 initial payment + €7,333 monthly × 12 months + €132,004 final balance.
Illustrative only. Terms and buy-out conditions are agreed per property between buyer and seller.
Reading the result
The four numbers always add up to the price.
Nothing here is interest or a rate of return. The calculator splits one agreed price into the parts a buyer and an owner negotiate: an initial payment, a run of monthly payments, and a final balance. Raise the monthly payment and the final balance shrinks by exactly as much. Shorten the term and each monthly payment grows, because the same financed amount is spread over fewer of them.
The initial payment and the length of the plan are treated as yours to set: they never move on their own. That mirrors how these agreements are usually discussed — a buyer knows what they can put down and how long they need, and the rest is negotiated around it.
Before you rely on a number
What this calculator does not decide.
Credit toward purchase varies
How much of each monthly payment counts toward the price, and whether that credit can be lost, is a term of the contract, not a property of the arithmetic.
Long terms need a notary
Past ten years the registration of a rent-to-buy contract in Italy may stop protecting the buyer. The calculator flags it; a notary resolves it.
Next
Take the plan to a real property.
Numbers that work in the abstract still have to fit a specific home, its condition, its costs, and the person selling it. Read how the model works end to end, go through the buyer checklist, or see the questions people ask most.