Grow my wealth
Where will you be in 10 years?
A no-nonsense NZ-flavoured wealth projection. Toggle a property or a diversified share pot, see the cash flow, opportunity cost, and inflation-adjusted final position. Free, no signup, no data leaves your browser.
Where you land after 10 years
$322,746
That's $434,507 LESS than the same money in a safe alternative at 5% p.a. — this scenario doesn't beat the boring choice.
Asset value
$1,036,171
Mortgage left
$250,000
Cash from asset
-$463,425
Safe alt pot
$757,253
Inflation-adjusted winning pot in today's dollars: $563,467. Numbers are estimates — talk to your accountant before you buy.
| Year | Asset value | Equity | Cash / year | Safe alt pot |
|---|---|---|---|---|
| 1 | $728,000 | $163,000 | -$56,580 | $161,580 |
| 2 | $757,120 | $227,120 | -$54,305 | $223,964 |
| 3 | $787,405 | $292,405 | -$52,030 | $287,192 |
| 4 | $818,901 | $358,901 | -$49,755 | $351,307 |
| 5 | $851,657 | $426,657 | -$47,480 | $416,352 |
| 6 | $885,723 | $495,723 | -$45,205 | $482,375 |
| 7 | $921,152 | $566,152 | -$42,930 | $549,423 |
| 8 | $957,998 | $637,998 | -$40,655 | $617,550 |
| 9 | $996,318 | $711,318 | -$38,380 | $686,807 |
| 10 | $1,036,171 | $786,171 | -$36,105 | $757,253 |
NZ assumptions baked in: no capital gains tax on long-hold; interest deductibility on rentals defaults to OFF (toggle above). Straight-line 20-year principal repayment. Opportunity cost is the same up-front $ compounded at your chosen "safe" return, plus any yearly top-up you'd need if the asset ran cash-flow negative. Not financial advice.
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