Real Estate vs Stock Return Calculator

Compare long-term asset outcomes after expected return, fees, tax drag, and downside risk.

Real estate versus stock return

Compare a leveraged Korean property scenario against a stock portfolio with Korean property, dividend, and overseas-stock tax assumptions.

Winner

Stocks

Profit difference

₩1,070,241,290

Absolute gap between scenarios

Real-estate net profit

₩528,967,796

6.6%

Stock net profit

₩1,599,209,085

9.8%

Real-estate taxes

₩32,516,825

Stock taxes

₩56,038,878

Real-estate amounts follow the Korean calculator unit convention of 10,000 KRW. Results preserve acquisition tax, property tax, capital-gains tax, dividend tax, and overseas-stock tax branches. This English finance calculator calls the Korean feature lib for its numeric result. KRW inputs and outputs replace the old generic USD projection stub for this batch.

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Real estate vs stock return calculator

This English guide translates the Korean long-term real-estate versus stock simulator. The calculator calls calculateComparison from the Korean feature lib and preserves KRW, leverage, tax, dividend, and cash-flow assumptions.

Real estate side

The Korean model includes purchase price, down payment, LTV, loan interest, repayment style, monthly rent, appreciation rate, property tax, maintenance cost, acquisition tax, and sale tax. It supports equal principal and interest, equal principal, and bullet repayment patterns.

Acquisition tax is described with Korean brackets such as 1% to 3% for one home, 8% for two-home regulated cases, and 12% for three or more homes. Capital gains can also reflect long-term holding deduction up to 80%, while comprehensive real estate tax deductions differ by home count.

Stock side

The stock scenario includes initial investment, monthly contribution, expected return, dividend yield, dividend reinvestment, fees, and tax. Dividend income is generally withheld at 15.4%, and annual financial income above KRW 20 million can be subject to comprehensive taxation.

For overseas stocks, the Korean guide keeps the annual KRW 2.5 million basic deduction and 22% capital-gains tax. Domestic and overseas tax treatment should not be replaced by a generic flat rate, so the English page uses the real Korean calculation module.

Reading the comparison

Leverage can make a lower asset return produce a high equity return, but it also magnifies downside and cash-flow risk. The Korean example compares a KRW 500 million apartment with 60% LTV against a long-term S&P 500 ETF scenario using the same owner capital.

Use break-even year, final net worth, cumulative cash flow, tax, and loan balance together. The result is a planning simulator, not a universal answer that real estate or stocks are always better.