Real Estate vs Stock Market Calculator

Compare total returns from leveraged rental property vs index fund investing over time.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Investment amount ($)

Years held

Home appreciation (%/yr)

Gross rental yield (%)

Stock market return (%/yr)

Tab to move between fields

Results

Better option (1=RE, 2=Stocks)

Real estate total return ($)$120,174

Stock market total return ($)$317,725

Real estate CAGR (%)5.4%

Stock CAGR (%)10%

Net annual rental income ($)-$14,500

How to Use This Calculator

Enter the investment amount — for real estate, this represents your down payment or purchase price.
Set the holding period in years and the expected home appreciation rate (historically ~3–4%).
Input the rental yield percentage and the expected stock market return (historically ~10%).
Compare Real Estate Total Return versus Stock Total Return to see which builds more wealth over your timeline.
Review Net Annual Rental Income and the Winner output to factor in cash flow alongside appreciation.

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