A disciplined investor doesn't buy property because it "feels like the right time" — they run the numbers first. Two decisions come before any offer: is buying better than renting for you, right now, in your country? And is property the best place for that capital at all? Both calculators below are free and take under two minutes.
Enter your rent, deposit and target property — see the 10-year equity gap, adjusted for your country's real notary fees, taxes and mortgage rates.
Open Rent vs Buy CalculatorSame deposit, two destinations: a diversified index fund, or a leveraged property purchase. Compare the after-tax, after-fee outcome over your real holding period.
Open Stocks vs Property CalculatorHistorically, diversified equities compound faster than unleveraged real estate. But almost nobody buys property unleveraged: a 20% deposit plus an 80% mortgage means a modest rise in the property's value can produce a large return on the cash you actually put in — and rent, unlike a stock dividend, also pays down your own debt. That combination is why property remains one of the most reliable long-term wealth builders available to an ordinary household, not because it "always goes up".
The two calculators above exist because the honest answer depends entirely on your numbers: your country's transaction costs, your local rental yield, your mortgage rate, and how long you'll actually hold. Run both before you commit capital — it costs nothing and takes less time than a single viewing.