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The Numbers: Your Personal Scenario

Enter your details below to see a personalized year-by-year projection of your wealth outcomes using the HomeDividend℠ program.

Year 15★

Typical Crossover Point

In our baseline scenario, the HomeDividend℠ buyer's S&P 500 portfolio becomes large enough to retire the mortgage balance — years ahead of schedule.

10.56%

S&P 500 CAGR

Historical compound annual growth rate of the S&P 500 since 1957, inclusive of reinvested dividends. Used to project your investment portfolio growth.

4.27%

Home Appreciation

Average annual appreciation of U.S. single-family home values since 1967, used to project your home's future market value year by year.

$85/mo

HD Monthly Fee

The HomeDividend℠ monthly program fee, which accumulates over time. The program also receives 10% of your home's appreciation at the liquidity event.

Net Worth Over 30 Years

HomeDividend℠ + S&P 500 vs. Traditional 30-Year vs. Conventional 15-Year

Year 30 Wealth Breakdown

Where the money ends up after 30 years

Your Personal HomeDividend℠ Calculator

Enter your financial details to see a customized year-by-year wealth projection. All amounts in U.S. dollars.

$
Total liquid cash available for the HomeDividend℠ program.
Allocate Your Cash
$
HomeDividend℠ allows $0 down. Any amount here reduces your loan balance.
$
This amount compounds at the historical S&P 500 CAGR of 10.56%/yr.
Property & Mortgage Details
$
%
Annual fixed rate (e.g., 6.5 for 6.5%).
Typically 15 or 30 years.

The Math Speaks For Itself

Ready to put your capital to work? Start with a quick eligibility check and see if a HomeDividend℠ mortgage is right for you.

Check My Eligibility
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Important Disclosures: All figures shown are illustrative projections based on historical averages and user-entered data. S&P 500 returns are based on the historical CAGR of approximately 10.56% (1957–2023, inclusive of dividends, not adjusted for inflation). Home appreciation of 4.27%/yr reflects the national average for U.S. single-family homes since 1967. Past performance is not indicative of future results. Actual investment returns will vary.

This calculator does not account for taxes, investment management fees, property taxes, homeowner's insurance, maintenance costs, or potential investment losses. Actual results will vary. This is not financial advice. Consult a qualified financial advisor before making any investment or mortgage decisions.

HomeDividend℠ is not a lender, does not make credit decisions, and does not guarantee loan approval or any specific financial outcome. All mortgage products are subject to lender approval and applicable regulations.