Resources
Free tools to help you test the numbers on an investment property before you buy. Every calculator runs in your browser and nothing you enter is stored.
Calculators
Estimates for general information only. They don’t consider your personal circumstances and aren’t financial or tax advice.
Stamp duty calculator
Transfer duty on an investment property in every state and territory, side by side, at 2026-27 rates.
Open calculatorProperty purchase costs calculator
The total cash you need to buy: deposit, stamp duty, legal fees, inspections, loan and government fees.
Open calculatorLMI calculator
Estimate lenders mortgage insurance when you borrow more than 80% of a property's value, and the deposit that avoids it.
Open calculatorRental yield calculator
Gross and net rental yield, the full cost breakdown, and weekly cash flow after interest.
Open calculatorInvestment property calculator
Rental income, every holding cost and loan repayments, for the weekly and yearly cash flow of an investment property.
Open calculatorNegative gearing calculator
The tax effect of a loss-making investment property, and how the 1 July 2027 rules apply to when you bought.
Open calculatorLand tax calculator
Yearly land tax on your investment land in each state, with every state compared at the same value.
Open calculatorEquity calculator
How much of your home's equity a lender may let you use as a deposit, at 70%, 80% and 90% loan-to-value.
Open calculatorEquity recycling calculator
Model buying, growing and refinancing over 15 years, and see roughly when equity could fund property two, three and beyond.
Open calculatorProperty growth calculator
Project a property's value, equity and rent over 10, 20 or 30 years at the growth rates you choose.
Open calculatorRent vs buy calculator
Compare buying a home with renting and investing the difference, over 5 to 30 years.
Open calculatorDebt recycling calculator
Year by year, how redirecting surplus cash through an investment loan could pay off your home loan sooner.
Open calculatorCapital gains tax calculator
CGT when you sell an investment property, under the current 50% discount and the rules from 1 July 2027.
Open calculatorDepreciation calculator
Capital works and plant and equipment deductions on an investment property, with a 10-year table and tax saving.
Open calculatorInvestment structure calculator
Compare the income tax and CGT of owning in your own name, through a family trust, or through a company.
Open calculatorPay off your mortgage faster
Compare putting spare cash on your home loan with buying an investment property and using the sale proceeds.
Open calculatorSell before July 2027 calculator
Compare selling before the CGT change on 1 July 2027 with holding, after tax, costs and loan repayment.
Open calculator
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