Property vs Shares Calculator
Compare the projected long-term growth of an investment property against a share portfolio using your own growth rate assumptions.
Your results
Calculation breakdown
- Future value
- amount × (1 + growth rate) ^ years
Worked example
Investing $100,000 for 15 years at 5% property growth versus 7% share growth projects to about $208,000 for property versus $276,000 for shares on capital growth alone.
Assumptions
- Compares capital growth only; does not include rental income, dividends, leverage, costs or taxes.
- Both scenarios assume a lump-sum cash investment with no borrowing.
- Growth rates are your own assumptions, not guaranteed outcomes for either asset class.
How this calculator works
Enter your starting investment amount, expected annual growth rate and time horizon for both property and shares to compare projected future values side by side. This is a simplified comparison of capital growth only; it does not model rental income, dividends, leverage, ongoing costs or taxes, which materially affect real-world outcomes.
Frequently asked questions
Does this include rental income or dividends?
No, this compares capital growth only; add expected rental yield or dividend yield manually to each growth rate for a fuller comparison.
Does it account for property being leveraged with a mortgage?
No, it assumes a cash investment in both cases; borrowing to invest changes the risk and return profile substantially.
Which asset class grows faster?
It depends entirely on the growth rates and time horizon you enter; past performance of either asset class does not predict future results.
Results are estimates only and are not financial, tax, legal or credit advice.