FIRE Decision MVP: ETF vs Investment Property

Compare two wealth paths with consistent Australian tax assumptions. Update any input and results refresh instantly.

Decision snapshot

Property leads by $293,214 at year 30

Property reaches FIRE 4 year(s) earlier.

ETF FIREYear 21

Property FIREYear 17

FIRE target$1,500,000

Inputs

Start with common inputs. Expand ETF and Property only when you need to tune assumptions.

Common Inputs

Current age

Projection years

Salary income annual

Annual savings after tax

Annual spending after tax

Inflation rate

Safe withdrawal rate

Scenario A: ETF

ETF initial balance

Total return rate nominal

Dividend yield

Dividend tax mode

marginal (MVP fixed)

Scenario B: Investment Property

Property price

Deposit percent

Loan interest rate

Loan mode

Interest-Only (MVP fixed)

Rental yield

Annual property expenses

Property growth rate

Sell at year

Net Worth by Year

ETFPropertyFIRE target

0 → 30 years | Y max: 3.3M

Results

FIRE Target$1,500,000

ETF FIRE yearYear 21

Property FIRE yearYear 17

ETF final net worth$2,575,142

Property final net worth$2,868,356

FIRE year delta4 year(s) earlier with Property

ETF total tax paid$663,608

Property total tax paid$584,499

More details

ETF dividends tax paid$368,126

Property net rental cashflow after tax$58,627

Final net worth delta (ETF - Property)$-293,214