Smart Investment Tools

Investment Property Calculator

Calculate your potential returns with real-time data from the RBA and current Australian tax legislation.

Property Details

Property TypeSelect the type of investment property you are considering. Different types have different yield profiles and tax implications.

StateThe Australian state where the property is located. This affects stamp duty calculations and land tax thresholds.

Property StatusNew builds retain full negative gearing under the 2026-27 Budget. Established properties purchased after 12 May 2026 will have negative gearing losses quarantined from 1 July 2027.

Purchase Price ($)The total purchase price of the property, excluding stamp duty and other acquisition costs.

Weekly Rent ($)The expected weekly rental income for the property. Check local rental listings for comparable properties in your target area.

Loan Details

Deposit (%)The percentage of the purchase price you will pay upfront. A minimum of 20% avoids Lenders Mortgage Insurance (LMI).

Deposit: $110,000

Loan AmountThe amount you will borrow from the bank, calculated as the purchase price minus your deposit.

Interest Rate (%)The annual interest rate on your home loan. This is auto-populated using the current RBA cash rate plus a typical bank margin (~2%).

Loan Term (years)The duration of your home loan. Standard terms are 25 or 30 years. Shorter terms mean higher repayments but less total interest paid.

Your Income & Tax

Annual Personal Income ($)Your total annual pre-tax income from all sources (salary, wages, other investments). This is used to calculate your marginal tax rate and negative gearing benefits.

Used to calculate negative gearing benefits

Est. Capital Growth Rate (% p.a.)The estimated annual rate at which the property value will increase. The long-term Australian average is around 5-7% p.a., but this varies by location and market conditions.

Investment Summary

Weekly Cash Flow (after tax)

-$176.37/wk

Gross Yield

5.20%

Net Yield

3.33%

Monthly Repayment

$2,738

Tax Benefit (p.a.)

+$5,360

Total Upfront Costs

Deposit (20%)$110,000

Stamp Duty (QLD)$17,775

Total Required$127,775

5-Year Projection (5% growth p.a.)

Est. Property Value$701,955

Capital Growth+$151,955

Net Rental Income (5yr)-$45,856

Total Return$106,099

ROI on Deposit83.0%

Important Legal Disclaimer

General Disclaimer: The information provided by this Investment Property Calculator (the "Calculator") is intended for general informational and illustrative purposes only. The Calculator produces estimates based on the inputs you provide and publicly available data, including interest rates sourced from the Reserve Bank of Australia (RBA) and tax brackets published by the Australian Taxation Office (ATO) for the current financial year. All figures, projections, and results generated by this Calculator are approximations only and should not be relied upon as accurate, complete, or current for the purposes of making any financial, investment, legal, or taxation decision.

Not Financial Advice: The output of this Calculator does not constitute financial advice, investment advice, tax advice, legal advice, or any other form of professional advice within the meaning of the Corporations Act 2001 (Cth), the Australian Securities and Investments Commission Act 2001 (Cth), or any other applicable legislation. PIC Property Services Pty Ltd (ABN/ACN as applicable) does not hold an Australian Financial Services Licence (AFSL) and is not authorised to provide personal financial product advice. Nothing in this Calculator should be construed as a recommendation or opinion in relation to any financial product, investment strategy, or course of action.

No Guarantee of Accuracy: While reasonable efforts have been made to ensure the accuracy of the data and calculations used in this Calculator, PIC Property Services makes no representation or warranty, express or implied, as to the accuracy, reliability, completeness, or currency of any information, calculation, or projection provided. Interest rates, tax rates, stamp duty thresholds, depreciation allowances, and other financial parameters are subject to change without notice and may differ from the values used by this Calculator at any given time. Stamp duty calculations are estimates only and may not reflect concessions, surcharges (including foreign purchaser surcharges), or exemptions that may apply to your circumstances.

Individual Circumstances: The Calculator does not take into account your personal financial situation, objectives, or needs. Investment returns, tax outcomes, and property values are influenced by a wide range of factors including but not limited to: market conditions, property location and condition, interest rate movements, changes in government policy and legislation, tenancy conditions, unforeseen maintenance costs, and individual tax circumstances. Past performance and historical averages are not reliable indicators of future performance.

Seek Professional Advice: Before making any property investment decision, you should obtain independent professional advice from a licensed financial adviser, qualified tax agent or accountant, mortgage broker, and/or solicitor or conveyancer who can assess your individual circumstances. PIC Property Services strongly recommends that you do not rely solely on the output of this Calculator when making investment decisions.

Limitation of Liability: To the maximum extent permitted by law, PIC Property Services, its directors, employees, agents, and affiliates disclaim all liability for any loss, damage, cost, or expense (whether direct, indirect, consequential, or otherwise) arising from or in connection with your use of, or reliance on, this Calculator or any information it provides. This limitation applies regardless of whether such loss or damage arises in contract, tort (including negligence), statute, or otherwise.

Copyright 2025-2026 PIC Property Services. All rights reserved. This Calculator is provided for use on the PIC Property Services website and may not be reproduced, distributed, or used for commercial purposes without prior written consent.