buy or save?  

This is a tool for comparing the relative merits of putting your money in a savings account vs investing in a rental property. [read more]

Inflation Expectations [guidance]

Presets






Note: After 50 years, inflation is assumed constant at last specified value.

Market Interest Rates[guidance]

nominal

real

Presets



Note: After 50 years, real interest rate is assumed constant at last specified value.
Deposit Offset
%
(subtracted from reference rate)
Loan Offset
%
(added to reference rate)

Financing [guidance]

Purchase Price
$
Deposit
$
enter price and deposit amounts

Rental Income [guidance]

Initial Rent Per Month
$
Anticipated Vacancy Rate
%
Gross Income
nominal

real

Presets


Note: After 50 years, real rental growth rate is assumed to be 0.

General Expenses [guidance]

Insurance
$
/ yr (indexed to inflation expectations)
Management Costs
$
/ yr (indexed to inflation expectations)
HOA Costs
$
/ yr (indexed to inflation expectations)
Government Rates
$
/ yr (indexed to inflation expectations)
Maintenance Costs
%
of purchase price / yr (indexed to inflation expectations)
Total Recurring Expenses
Selling Costs
%
of terminal value

Tax [guidance]

Tax Rate (Capital Gains)
%
Tax Rate (Deposit Interest)
%
Tax Rate (Rental Income)
%
Negative Gearing

Additional Risks [guidance]

Expropriation of Property
%
(probability of complete loss / year)
Expropriation of Deposits
%
(probability of complete loss / year)