Investment property calculator
What could your first investment property look like?
See the upfront cash, rent contribution, weekly holding picture and a 10-year scenario.
Results update instantly. Download a personalised PDF summary at the end.
Start here
Start with 6 simple numbers
Use a listing, rental appraisal and indicative loan rate. The results update as you type.
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Your investment snapshot
The starting position
- Purchase price
- $800,000
- Deposit
- $160,000 20.0% deposit
- Estimated loan
- $640,000
- LVR
- 80.0%
- Expected rent
- $700/wk $36,400/yr
- Gross rental yield
- 4.55%
LMI may apply and is not included. Check with your broker or lender.
Your weekly contribution
What the property could cost each week
Weekly result
Estimated weekly contribution
$153/wk
Holding costs have not been entered. Tax is not included.
Interest only is selected for all 10 years, so the loan principal does not reduce during this scenario.
Rent contribution
of the initial simplified weekly costs shown is covered by expected rent.
How we got there
- Weekly loan repayment
- $800
- Property management
- $53
- Estimated holding costs
- Not entered
- Less weekly rent
- −$700
- Your contribution / surplus
- $153
Based on the loan repayment, property management and estimated holding costs entered. Excludes costs not entered.
Getting started
Indicative upfront cash
- Your deposit
- $160,000
- Estimated transfer duty
- $43,070
- Other buying costs entered
- $0
- Upfront cash shown
- $203,070
Transfer duty is indicative. Upfront cash shown = deposit + estimated transfer duty + other buying costs entered. LMI, Parker Hadley fees and costs not entered are excluded.
Your 10-year scenario
A longer view of the same numbers
These assumptions are visible and editable. This scenario is illustrative, not a forecast.
Illustrative assumptions
Adjust these three settings to see how the 10-year scenario changes.
Property value after 10 years
$1.30m
Value at the end of Year 10.
Illustrative equity after 10 years
$663k
Property value less illustrative loan balance. Equity is not profit. Before selling costs and tax.
Illustrative loan balance after 10 years
$640k
Based on the loan settings and constant rate shown.
Total cash contributed by you
$236k
Upfront cash shown + positive ongoing top-ups. Excludes costs not entered.
Weekly rent in Year 10
$913/wk
Year 1 is the current rent, followed by nine illustrative increases.
Total you top up over 10 years — before holding costs
$33k
Positive top-up years only. Later surplus is not netted against earlier contributions.
Cashflow neutral / surplus from
Year 9
The first year from which every remaining year is at or below a $1 weekly contribution.
Year 10 weekly surplus — before holding costs
$45/wk
Based on the scenario settings shown.
How the scenario changes over time
Year 0 shows the starting position. Property value, rent and the weekly contribution or surplus then move forward on the same timeline.
Scenario basis: This 10-year view is not a forecast. The 6.50% rate and loan settings stay as entered. Entered holding costs grow at 3.0% p.a. Vacancy, tax, selling costs and unentered costs are excluded.
Included in the calculation
Loan repayments, rent, property management, deposit and indicative investor transfer duty.
Not included unless entered
Rates, insurance, maintenance, strata, land tax and other holding costs. Tax, depreciation, negative gearing, CGT, vacancy, selling costs, the LMI amount and Parker Hadley fees are not included.
Property selection matters
These numbers depend on the property you buy.
Same budget. Different rent. Different costs. Different growth.
That’s why the property matters.
Strategy →
What are you trying to achieve?
Market →
Which market fits the brief?
Property
Which property actually stacks up?
Your personalised scenario
Download your $800,000 property scenario
Add your details to create a designed PDF of this exact scenario. Keep it, compare it or use it as the starting point for a conversation with Kevin.
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Your PDF has been created from the exact inputs and assumptions shown above.
General information onlyResults are illustrative estimates, not financial, credit, investment, tax, accounting or legal advice. Actual costs, rents, charges and property values may differ.