Property Investment: Is It Worth the Commitment?
Compare owning a property (with or without tenants) versus your benchmark investment. Make a data-driven choice for your portfolio.
Introduction
Buying a property ties up a lot of cash. This property investment calculator checks if owning (with or without tenants) beats renting and investing that money instead. Influencers, agents, and developers may say property is always a good investment, but your own numbers matter. We compare your property to a benchmark return you could earn elsewhere to surface the real opportunity cost, including loan payments, legal and insurance fees, maintenance, property tax, appreciation, rent increases, and investment returns (set rent to zero if the place is vacant).
How It Works
Enter the property price, down payment, loan terms, upkeep costs, expected rent (or zero if vacant), and your benchmark investment return. We include interest, legal fees, insurance, maintenance, and property tax, then project the property outcome against your benchmark investment to show which side looks better at your sale year.
What You’ll Learn
- •Your total cash needed upfront and the monthly cashflow gap.
- •Projected selling price, loan balance, and net equity at your chosen year, with interest and hidden costs accounted for.
- •How owning this property compares with your benchmark investment at your chosen sale year.
- •The minimum selling price or sale year needed to beat the benchmark.