Wealth Calculator
See how buying could build wealth compared to renting in NYC
If you're paying $5,000/month in rent...
Buying could build
$717K
more wealth over 5 years
The difference comes from leverage—your down payment controls an asset worth far more.
The power of leverage
$300K down payment controls a $1.5M asset
If you invest $300K in stocks
$462K
after 5 years at 9%/yr
If you buy real estate
$1.1M
equity after 5 years at 6%/yr
Adjust assumptions
Home appreciation
NYC long-term average
6.0%
Stock market return
S&P 500 25-year average
9.0%
Mortgage rate
Current market
5.5%
Down payment
Percentage of price
20%
Want to make sure the numbers work?
I can walk through this model with your specific situation and help you avoid the hidden costs that change the math.
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