This calculator is for the stage after browsing and comparing. Use it to test whether a purchase still makes sense once deposit size, interest rate, vacancy, expenses, tax effects, and growth assumptions hit the same model.
Start from a known suburb so the purchase price and state duty settings begin from a plausible base.
Interest, vacancy, rent, and annual expenses are where optimistic ideas usually break down.
Monthly cash flow, net yield, and long-run projection matter together, not in isolation.
Use a large metro suburb when you want to test a more common purchase price before adjusting rent, expenses, and loan assumptions.
Start from a higher-yield suburb so you can see how rent coverage and negative gearing change the hold profile.
Use a more expensive suburb when you want to pressure-test deposit size, stamp duty, and repayments under bigger loan balances.
The calculator is a decision model layered on top of suburb datasets. It is useful because it brings price, rent, duty, tax, and growth assumptions together, but the inputs are not equally fresh across states.
NSW and VIC price/rent inputs rely on manual release files more than fully automated feeds, while other states lean on processed release datasets.
Repayments, cash flow, and 30-year projections are formula-driven. They become misleading when you treat rent, growth, or expenses as guaranteed.
The calculator is strongest when the suburb, purchase price, and rent anchor already look plausible from the suburb page or compare workflow.
Load one of the preset suburb scenarios above if you want a quick start, or begin from the default model and overwrite every assumption yourself. The suburb link only preloads the suburb and purchase-price anchor; rent, expenses, vacancy, and growth still need your judgment.
Analyse property investment returns with stamp duty, negative gearing, and 30-year projections.