Free Property Tools
Everything you need to analyse, plan, and track your property investments.
18 free tools — no sign-up required for calculators.
Full-Suite Tools
Property Calculator
Model any property purchase scenario. Stamp duty, LMI, loan repayments, rental yield, and cash flow — powered by live market data.
Portfolio Tracker
Track all your investment properties in one place. Monitor equity, cash flow, LVR, and portfolio performance at a glance.
Suburb Comparison
Compare up to 3 suburbs side-by-side on yield, growth, cash flow, and 5-year projections — powered by live market data.
Buying a Property
Essential calculators for anyone purchasing a home or investment property
Stamp Duty Calculator
Calculate stamp duty for any state. First home buyer concessions and foreign surcharges included.
Calculate Stamp DutyLoan Repayment Calculator
Monthly, fortnightly, and weekly repayments. Compare P&I vs interest-only side by side.
Calculate RepaymentsBorrowing Power Calculator
How much the bank will lend you based on income, expenses, and debts. Uses the +3% serviceability buffer.
Check Borrowing PowerLMI Calculator
Estimate Lenders Mortgage Insurance if your deposit is under 20%. See how much extra deposit could save you.
Estimate LMIServiceability Calculator
How banks really assess your borrowing capacity. Models HECS debt, credit cards, existing loans, and rental income haircuts.
Check ServiceabilityMaking Decisions
Compare options and model scenarios to make better property decisions
Rent vs Buy Calculator
Compare renting vs buying over time. See total costs, wealth at the end, and which option leaves you better off.
Compare Rent vs BuyCAGR Calculator
Calculate the compound annual growth rate of any property. Compare against the national average and project future values.
Calculate CAGRRental Yield Calculator
Gross and net rental yield on any property. Weekly, monthly, and annual income breakdown with a yield quality gauge.
Calculate YieldRenovation ROI Calculator
Estimate the return on your renovation spend. Compare renovating vs investing the cash elsewhere.
Calculate Reno ROIAlready Own Property
Tools for existing property owners looking to grow or optimise their portfolio
Equity Calculator
How much usable equity you have and what you could afford for your next property purchase.
Calculate EquityDepreciation Estimator
Estimate tax depreciation deductions on your investment property. Division 43 & 40 breakdown with tax savings.
Estimate DepreciationCash Flow Calculator
Model annual cash flow on an investment property. Income vs all expenses — rent, mortgage, management, insurance, rates.
Calculate Cash FlowNegative Gearing Calculator
See the after-tax cost of a negatively geared property. Includes depreciation, tax refund, and true annual cost.
Calculate Neg. GearingCapital Gains Tax Calculator
Estimate CGT when selling an investment property. 50% discount, cost base additions, entity type options.
Calculate CGTMortgage Offset Calculator
See how your offset account balance reduces total interest and shortens your loan life.
Calculate Offset SavingsNot sure where to start?
Which tool do I need?
I'm buying a property — what are the upfront costs?
Stamp Duty Calculator for government tax, LMI Calculator if your deposit is under 20%.
How much can I borrow?
Borrowing Power Calculator estimates your max loan based on income, expenses, and debts.
What will my mortgage repayments be?
Loan Repayment Calculator shows monthly, fortnightly, and weekly repayments for P&I or interest-only.
Should I rent or buy?
Rent vs Buy Calculator compares the true cost of each option over 5-30 years.
Is this property a good investment?
Rental Yield Calculator for income return, CAGR Calculator for growth performance.
Can I afford to buy another property?
Equity Calculator shows your usable equity and what you could purchase next.
How much can I claim on tax?
Depreciation Estimator shows Division 43 & 40 deductions and your annual tax saving.
What's the cash flow on this investment property?
Cash Flow Calculator models annual income vs all expenses — rent, mortgage, management, insurance, rates, and more.
Am I better off negatively gearing?
Negative Gearing Calculator shows your after-tax position including depreciation and tax refund.
How much CGT will I pay when I sell?
CGT Calculator estimates your capital gains tax liability with the 50% discount, cost base additions, and entity options.
Is this renovation worth doing?
Renovation ROI Calculator compares the return from renovating vs investing the cash elsewhere.
How much will the bank actually lend me?
Serviceability Calculator models how banks really assess you — HECS debt, credit cards, existing loans, and rental income haircuts.
How much does my offset account save me?
Mortgage Offset Calculator shows how your offset balance reduces total interest and shortens your loan.
Which suburb gives me a better return?
Suburb Comparison lets you compare up to 3 suburbs side-by-side on yield, growth, cash flow, and 5-year projections.