Return on Equity Analyzer
How to use /Start with your property value and mortgage, then add what the property returns in a year, then compare the paths. The read updates as you type. Your numbers stay on your device.
Current Path vs. Potential Path
This view compares the current equity path against a potential redeployment path and a private-lending benchmark using the same starting equity.
Year 20 at 10.05% current ROE.
Same starting equity, compounded annually.
Year 20 at 11.00% redeployed return.
Start-of-Year Net Worth - 20 Year View
| Year | Current Path | Private Lending | Potential Path | Difference |
|---|---|---|---|---|
Year 5 Starting equity compounded annually | $968,516 | $861,378 | $1,011,035 | +$42,519 |
Year 10 Starting equity compounded annually | $1,563,371 | $1,236,619 | $1,703,653 | +$140,282 |
Year 15 Starting equity compounded annually | $2,523,581 | $1,775,326 | $2,870,754 | +$347,173 |
Year 20 Starting equity compounded annually | $4,073,546 | $2,548,711 | $4,837,387 | +$763,841 |
$600,000 is earning 10.05% today.
If the same equity earns 11.00% instead, the modeled 20-year difference is $763,841 before taxes, transaction costs, and new capital contributions. At a 7.5% private-lending benchmark, that same equity would produce $45,000 before tax and borrower/default risk.
This analyzer is an educational planning tool for comparing equity productivity. Paydown and cash flow estimates use simplified NOI yield, mortgage rate, and amortization assumptions and should be confirmed with property-level underwriting. The private-lending benchmark is hypothetical and does not include taxes, transaction costs, borrower/default risk, refinancing fees, financing approvals, market risk, or property-specific due diligence. Returns are modeled from the inputs provided and should be reviewed before making investment decisions.