Negative Gearing
Deduction or quarantined loss, year by year, with the carried-forward pool.
The toolkit
Property investment
calculators.
From the first deposit to the decision to sell. Explore the numbers behind Australian property, one question at a time.
21 calculators to exploreFree to use · Australian assumptions
The reform
The May 2026 rules, modelled across all three acquisition classes.
Buying costs
The cash the contract price hides.
Stamp Duty
Investor, home concession and first-home scales side by side.
Land Tax
Annual liability, headroom to the threshold, the year you cross it.
First Home Buyer
Grant, concession, deposit scheme and shared equity as one cash figure.
Rent vs Buy
Identical cash both paths - home equity vs the invested difference.
Finance
What the bank lends and what it costs.
Borrowing Power
The +3% buffer, HEM floor, rental shading and the 6x DTI cap.
Refinance
Usable equity, cash released at your target LVR, the LMI toll above 80%.
Repayments
Weekly, fortnightly, monthly, plus the interest-only cliff.
Offset
Interest saved and years cut, against extra repayments.
Compound Interest
Deposit balance year by year and the price it supports.
Screening
What decides whether a deal earns a full audit.
Investment Property
After-tax weekly cost, IRR, NPV and the price at your hurdle.
Rental Yield
Gross and net, with the cost waterfall itemised.
Depreciation
Div 43 and Div 40 with the post-2017 exclusion applied.
Renovation ROI
Equity created, yield on cost, payback period.
Development Feasibility
Monthly cash flow, peak debt, residual land value.
Property vs Shares
The same cash in both assets, after tax, over the hold.
Sell or Hold
After-CGT proceeds redeployed vs holding on, pool released either way.
The mandate
Your criteria, written down before the inspection.
Looking at the bigger picture?
Bring the numbers together.
The Deal Auditor connects the purchase, cash flow, tax and returns against your own criteria.