Australian residential property decision support
State-based duty and ATO tax bandsSee what a property really costs before you commit.
A calmer, clearer way to assess the real weekly and annual cost of buying and holding residential property in Australia, without jumping between separate calculators.
The upfront cash requirement is likely to be the main hurdle here.
Property Inputs
Start with the few inputs that drive most decisions. Add advanced estimates only if you want to refine the output.
Key result
True Weekly Cash Cost After Tax
Estimated weekly cash cost after rent and any estimated tax effect, including principal repayments.
Deposit Comparison
Compare 5%, 10%, and 20% deposits early so the upfront cash and weekly trade-off is obvious.
Detailed Results
These figures are estimates only and are intended for decision support.
Buy-In Cost
What you need to get into the property.
Loan And Repayments
How the loan is structured and what the first year of repayments looks like.
This is a cash outflow that reduces the loan balance, rather than a deductible expense.
Approximate estimate based on the opening loan balance.
Income And Tax Effect
The main offsets that may reduce the cash strain of holding the property.
Weekly rent multiplied by 52. Excluded automatically for owner occupier scenarios.
Council rates, land tax, insurance, agent fees, repairs, and other deductible running costs.
Estimated depreciation or capital works deductions. These can improve the tax result without being a cash cost.
Interest, eligible holding costs, and any capital allowances may be deductible. Principal is not.
The tax rate used in this estimate. Choose the bracket or manual rate that best matches the person claiming the deduction.
Estimate only. Tax outcomes depend on ownership, borrowing structure, and personal circumstances.
What It Really Costs
Your bottom-line cash view after repayments, rent, and estimated tax effects.
Includes principal, because this is the actual cash that still needs to be funded.
This remains the headline cash-flow number and includes principal repayments.
What Matters Most
Short observations based on your current scenario.
Compared with 5% deposit, this setup reduces your annual out-of-pocket cost by $15,134.
Most of your year-one loan repayment is driven by interest, not principal.
This estimate assumes interest, eligible holding costs, and any capital allowances may create a deductible loss of $40,660, with tax effects valued at roughly 37% while principal repayments remain non-deductible.
Property Brief Snapshot
A clean summary of the current scenario that can evolve into a printable client-ready brief.
Saved Scenarios
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Assumptions and Disclaimer
This tool is for educational decision support only. Open the full disclaimer if you want the detailed assumptions.
Show full disclaimer
All figures are estimates only, including stamp duty, LMI, rent, tax outcomes, and annual property costs.
Automatic stamp duty estimates use the selected state or territory, with first-home relief currently modelled for NSW, VIC, and QLD owner-occupier scenarios only.
For investment scenarios, this tool assumes interest, eligible holding costs, and any entered capital allowances may be deductible, while principal repayments are not.
Capital allowances are a non-cash estimate only and are usually confirmed through a depreciation schedule or tax advice.
Land tax, insurance, agent fees, repairs, and other holding costs can now be entered separately to make the deductible-loss estimate easier to follow.
For owner occupier scenarios, rental income, deductible loss, and tax refund outputs are excluded from the calculation.
Tax outcomes depend on personal circumstances and should be reviewed with an accountant or adviser.
This calculator is not personal financial advice, tax advice, or credit advice.