yourFAHub Financial advisory tools · property and the S&P 500

Real estate vs S&P 500

Compare buying, renting, and investing and see how your money could grow.

Enter your budget and property details to explore the results.

The plan

What are you doing? Every stock figure on this page is S&P 500 price appreciation, projected from the long-run historical average shown under Estimates & assumptions.

Sets the currency, closing-cost rules, property-tax basis and utility benchmark. Amounts are never converted between currencies.

The budget covers the down payment and the closing costs. Whatever is left over is treated as a single lump sum invested in the S&P 500 on day one.
C$

Everything you have available for the down payment, the closing costs and the S&P 500 investment.

The property

Property type

Set the purchase price or the down payment to zero and the page becomes a plain S&P 500 calculator, with the whole budget invested.
C$

Enter zero to switch to the S&P 500-only calculation.

C$
%

Editing either box updates the other. A zero down payment switches to the S&P 500-only calculation; it is not a 100% mortgage.

%

Your annual contract rate, not an APR. There is no market-rate default. Canada compounds semi-annually; the United States uses rate divided by 12.

C$

Monthly. Leave at zero if there are none.

C$

Estimated monthly cost to rent a comparable home. Your own estimate, never generated from the purchase price. It is the rent you would potentially avoid paying while you own, so no vacancy or management is applied to it.

The horizon

The amortization period is also the projection horizon for the property and the stocks.

Estimates & assumptions

Educational estimates, not personalized financial advice.

Year by year

A real .xlsx workbook built from the scenario on screen.
Year-by-year detail
Monthly payment schedule
Method, sources and limits
Why I built this

I’m a mechanical engineering graduate with a passion for investing. I built yourFAHub to help you compare real estate, renting, and the S&P 500 without paying a fortune for advice that may lack detail or supporting data. I’m not a financial advisor; these are educational estimates based on publicly available data, not personalized advice. I’ll keep improving them as better data becomes available.