What This Calculator Does

This calculator helps you compare three common investment strategies: buying a home to live in, renting and investing in the share market, and renting while purchasing an investment property. Adjust the inputs to see how each path could grow your investment value over time.

Purchase a Home

Buy a home to live in and build equity over time.

Your investment grows through paying down your mortgage and property appreciation.

Any remaining savings after home costs are invested in the share market.

Rent & Invest in Shares

Continue renting, but invest your savings in the share market.

Your investment grows through compounding returns and ongoing contributions.

Rent & Invest in Property

Rent your home, but purchase an investment property.

Your investment grows through rental income and capital gains.

Any remaining savings after investment property costs are invested in the share market.

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Total Investment Value Over Time

Purchase a Home
Invest in Shares
Invest in Property

Total Investment Value Over Time

YearPurchase a HomeInvest in SharesInvest in Property