Property Portfolio Growth Path
Calculator
Results
- Net worth
- $1,250,270.01
- Portfolio value
- $1,256,511.62
- Portfolio debt
- $6,241.61
- Cumulative cash flow
- $270,000.00
- Properties owned
- 3
How the position develops over the projected years
- Portfolio value
- Net worth
- Portfolio debt
Year-by-year property projection
| 1 | 776,250.00 | 381,911.33 | 394,338.67 | 18,000.00 | 18,000.00 |
| 2 | 803,418.75 | 362,897.20 | 440,521.55 | 36,000.00 | 36,000.00 |
| 3 | 831,538.41 | 342,910.28 | 488,628.13 | 54,000.00 | 54,000.00 |
| 4 | 860,642.25 | 321,900.79 | 538,741.46 | 72,000.00 | 72,000.00 |
| 5 | 890,764.73 | 299,816.41 | 590,948.32 | 90,000.00 | 90,000.00 |
| 6 | 921,941.49 | 276,602.16 | 645,339.34 | 108,000.00 | 108,000.00 |
| 7 | 954,209.45 | 252,200.21 | 702,009.23 | 126,000.00 | 126,000.00 |
| 8 | 987,606.78 | 226,549.82 | 761,056.95 | 144,000.00 | 144,000.00 |
| 9 | 1,022,173.01 | 199,587.11 | 822,585.90 | 162,000.00 | 162,000.00 |
| 10 | 1,057,949.07 | 171,244.93 | 886,704.14 | 180,000.00 | 180,000.00 |
| 11 | 1,094,977.29 | 141,452.72 | 953,524.57 | 198,000.00 | 198,000.00 |
| 12 | 1,133,301.49 | 110,136.27 | 1,023,165.22 | 216,000.00 | 216,000.00 |
| 13 | 1,172,967.05 | 77,217.62 | 1,095,749.42 | 234,000.00 | 234,000.00 |
| 14 | 1,214,020.89 | 42,614.79 | 1,171,406.10 | 252,000.00 | 252,000.00 |
| 15 | 1,256,511.62 | 6,241.61 | 1,250,270.01 | 270,000.00 | 270,000.00 |
Comparison
| Scenario | Net worth | Cash reserve |
|---|---|---|
| Doing nothing | 350,000.00 | 0.00 |
| Your scenario | 1,250,270.01 | 270,000.00 |
Formula
net worth_y = V_0(1+g)^y − B_y, with B_y amortized at payment + reinvestment/12= 1250270.01
Note
This is a simplified projection model. It compounds the growth, cost and return rates you enter at a constant annual rate and amortizes mortgages on a standard fixed-rate annuity; real property markets, rents, interest rates, vacancy, maintenance and running costs move irregularly and can fall as well as rise. Taxes are applied only as the flat rate and allowance you enter: stamp duty and other transfer taxes are usually banded, capital gains relief, principal-residence exemptions, rental-income tax, depreciation and allowable expenses vary by country and by your circumstances and are not modelled here. Transaction, legal, letting and selling costs are taken as the percentages you supply. Baseline comparisons hold the alternative flat and ignore what else the money might have done. These results are general information, not investment, mortgage, tax or legal advice: consult a qualified professional before committing to a property decision.
More in Property projections
See all →Frequently asked questions
How does adding properties over time change the growth trajectory compared to a single property?+
Each additional property adds its own appreciation and equity-buildup path, and if funded partly by cash flow or refinancing from existing properties, the portfolio can grow faster than any single property could alone — but it also multiplies your exposure to market downturns and vacancy risk across more units.
Does the projection assume I reinvest cash flow into buying more properties?+
That depends on the inputs you set — check whether the model assumes rental cash flow is reinvested into acquisitions, used to pay down existing debt faster, or simply accumulates. Each choice produces a meaningfully different portfolio-growth curve.
Why does portfolio value grow unevenly rather than as a smooth curve?+
Because acquisitions typically happen at discrete points rather than continuously, each new purchase creates a step in total portfolio value, and the pace of debt paydown and appreciation for each property then continues to compound between acquisitions.
How does leverage across multiple properties affect overall risk?+
Financing multiple properties with mortgages amplifies both the upside from appreciation and the downside from a market decline or vacancy across the portfolio, since debt service obligations don't pause just because rental income drops on one or more units.
Is this projection realistic about financing availability for each new purchase?+
It generally assumes financing is available on the terms you specify, but in practice, lenders scrutinize debt-to-income and cash reserves more closely as you accumulate more mortgaged properties, so a long acquisition path may be harder to finance in reality than the model assumes.