🏡

Decider

Smart Real Estate & Investment Analyzer

⚙️ Simulation Parameters

Live Update
$300,000
$
$400,000
$
%
%
$
%
%
%
15 Years
🏆 Recommended Strategy

Renting & Investing is the Winner!

Over the selected period, this path yields the highest projected net worth.

Estimated Net Worth $1,245,600

Net Worth Trajectory Over Time

Hover lines to see yearly breakdown
Cash Outright 💰
Net Worth $0
Property $0
Portfolio $0
Take a Loan 🏦
Net Worth $0
Property $0
Portfolio $0
Remaining Debt: $0
Rent & Invest 📈
Net Worth $0
Property $0
Portfolio $0

💡 How does this comparison work?

Our algorithm simulates three different allocations of your available cash over time. It factors in compound interest from the stock market index funds, property appreciation, rent inflation, and standard amortized mortgage payments.

  • Buy with Cash: Uses your cash to buy the property. Remaining cash grows in index funds. No monthly bills.
  • Take a Loan: Pays downpayment, remaining cash grows in index funds. Annual mortgage payments are deducted from your investment capital.
  • Rent & Invest: Keeps all cash in index funds. Annual rent payments are paid out of the investment portfolio.