Property Investment Calculator
Cash flow and gearing, the cash you need to settle, and what the property could build over 5–10 years — capital growth, equity and net wealth. Every figure updates as you type.
Property
Loan
Rental income
Annual expenses
Tax benefit estimate
Depreciation (optional)
Growth projection
Future growth can't be guaranteed — pick an assumption you're comfortable defending.
Upfront costs (editable estimates)
Investment score
Guide only — driven entirely by your inputs, including your 5% growth assumption. Not financial advice.
Cash required to buy
Annual breakdown
Tax benefit estimate (year 1)
Deductible loss = interest + expenses − rent. Principal repayments aren't deductible.
* Estimate only. Tax deductibility depends on your situation — consult a tax advisor.
Growth & equity after 5 years
Wealth created over 5 years
Assumes rent, expenses and interest rate stay constant. Excludes upfront costs, selling costs and capital gains tax. This is why a negatively geared property can still build wealth — or not.
Interest rate stress test
Pre-tax, same loan term and repayment type. A +2% rise costs $202/week more to hold.
Break-even rent
Pre-tax, at the current rate, including principal repayments — switch to Interest Only to see the IO break-even. Vacancy and management fees scale with rent in this calculation.
Key metrics
Estimates only — not financial advice. Future capital growth cannot be guaranteed; interest rates may change; tax outcomes depend on your personal circumstances; stamp duty uses the QLD general rate with no concessions. Depreciation (when enabled) is modelled from your figures or typical placeholders — only a registered Quantity Surveyor can prepare an official schedule for tax purposes. Seek independent financial and taxation advice before purchasing property.
Equity growth
Wealth created
Year-by-year forecast
| Year | Value | Loan | Equity | Rent (net) | Expenses | Cash flow* |
|---|---|---|---|---|---|---|
| 1 | $840,000 | $632,847 | $207,153 | $35,000 | −$56,637 | −$16,278 |
| 2 | $882,000 | $625,214 | $256,786 | $35,000 | −$56,637 | −$16,455 |
| 3 | $926,100 | $617,070 | $309,030 | $35,000 | −$56,637 | −$16,644 |
| 4 | $972,405 | $608,381 | $364,024 | $35,000 | −$56,637 | −$16,846 |
| 5 | $1.02m | $599,110 | $421,915 | $35,000 | −$56,637 | −$17,061 |
* After the estimated tax benefit. Charts and forecast assume rent, expenses and the interest rate stay constant — change the projection period in Growth projection to see 5 vs 10 years.
Compare two properties
Set the inputs up for the first property and save it as A, then change them for the second and save as B — the side-by-side comparison appears here, with the stronger figure highlighted in each row.
Find suburbs that match your gearing tolerance
Use the investor search to filter all 25 SEQ suburbs by budget, amenities and how much negative gearing you can absorb.