Buy a house or invest in stocks?

This model compares the future net worth of buying a home versus investing your available cash. Change the assumptions to match your city, mortgage quote, taxes, rent, and risk tolerance.

Educational tool only. It is not financial, tax, or legal advice. Real mortgage quotes, local housing markets, taxes, insurance, and your personal stability matter a lot.
Calculating
$0

Buy net worth$0
Invest net worth$0
Monthly ownership cost$0
Housing DTI0%

Buy Home Path

Down payment$0
Buyer closing costs$0
Loan amount$0
Principal + interest$0/mo
Home value at sale$0
Mortgage balance then$0
Total owner cash paid$0

Invest Path

Initial stock investment$0
Monthly rent starts at$0/mo
Monthly surplus invested$0/mo
Stock portfolio value$0
Total rent paid$0
Emergency/cash value$0
Break-even gap$0

Scenario Stress Test

Scenario Home growth Stock return Buy net Invest net Leader
Defaults as of April 30, 2026 use a 30-year fixed mortgage rate around 6.29% from daily mortgage-rate reporting, a stock-return planning assumption below the long-term S&P 500 average, and a national housing appreciation assumption that you should replace with your local market. The online stock updater uses Yahoo Finance public chart data for SPY without an API key; if the free endpoint is blocked, keep using the manual stock-return input. Useful references: FRED/Freddie Mac mortgage series, Freddie Mac PMMS, Case-Shiller U.S. National Home Price Index, and Fidelity on S&P 500 average returns.