Free investor tool
Property growth calculator
Project how a property's value, your equity and the rent could change over the next 10, 20 or 30 years at the growth rates you choose.
Updated · Free, no sign-up
| Year | Value | Loan | Equity | Rent per year |
|---|---|---|---|---|
| 0 | $650,000 | $520,000 | $130,000 | $31,200 |
| 1 | $682,500 | $520,000 | $162,500 | $32,136 |
| 5 | $829,583 | $520,000 | $309,583 | $36,169 |
| 10 | $1,058,782 | $520,000 | $538,782 | $41,930 |
| 15 | $1,351,303 | $520,000 | $831,303 | $48,609 |
| 20 | $1,724,644 | $520,000 | $1,204,644 | $56,351 |
How it works
How compounding growth works
Property values compound: each year's growth is calculated on the previous year's value, so small differences in the growth rate make a large difference over decades. The same applies to rent.
The projection assumes a steady rate every year. Real markets move in cycles, with flat and falling years as well as strong ones, and different suburbs and property types perform very differently. Past growth does not guarantee future growth, so try a range of rates rather than relying on one.
The numbers are one part of the decision
We look at the figures alongside growth drivers, vacancy, supply and how a property fits your borrowing and portfolio plans, then choose the market that suits your strategy, wherever it is in Australia. See how we buy investment property.
FAQ
Common questions
What growth rate should I use?
There is no single right answer. Long-run averages differ by city, suburb and property type, and future growth may be higher or lower than the past. Testing a conservative, middle and optimistic rate is a sensible way to use the tool.
Does the projection include the loan?
Yes. Equity is the projected value minus your loan. You can model an interest-only loan, which stays the same, or principal-and-interest, which reduces over time.
Is this financial advice?
No. It is a general estimate to help you compare options. It does not consider your personal circumstances, and results depend on the figures you enter. Check them with your accountant, mortgage broker or financial adviser before you act.
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