Property Financing Estimator
Estimate purchase costs, stamp duty, LMI, mortgage payments, and investment cash flow including tax, HECS, and Medicare calculations.
Property & Purchase
Purchase Cost Assumptions
Funding Sources
Loan Details (main loan)
Rental Property Assumptions
Annual Cost Assumptions
Depreciation Assumptions
Applicant Income
Purchase Summary
Illustrative Cash Flow Estimate (Year 2)
Estimated Monthly Cashflow
10-Year Cashflow Projection▼
| Year | Net Rent | Total Interest | Annual Costs | Depreciation | Taxable Income | Tax Refund | After-Tax CF | Monthly CF | True OOP/mo |
|---|---|---|---|---|---|---|---|---|---|
| Year 1 | $32,032 | $25,225 | $0 | $2,947 | $3,860 | $-1,236 | $5,571 | $464 | $-59 |
| Year 2 | $32,993 | $24,872 | $0 | $12,674 | $-4,553 | $1,458 | $9,579 | $798 | $245 |
| Year 3 | $33,983 | $24,500 | $0 | $10,951 | $-1,468 | $470 | $9,953 | $829 | $245 |
| Year 4 | $35,002 | $24,107 | $0 | $9,741 | $1,155 | $-370 | $10,526 | $877 | $260 |
| Year 5 | $36,052 | $23,691 | $0 | $8,878 | $3,483 | $-1,114 | $11,247 | $937 | $286 |
| Year 6 | $37,134 | $23,253 | $0 | $8,253 | $5,628 | $-1,800 | $12,081 | $1,007 | $319 |
| Year 7 | $38,248 | $22,790 | $0 | $7,794 | $7,664 | $-2,452 | $13,006 | $1,084 | $357 |
| Year 8 | $39,395 | $22,301 | $0 | $7,453 | $9,642 | $-3,086 | $14,009 | $1,167 | $400 |
| Year 9 | $40,577 | $21,784 | $0 | $7,195 | $11,598 | $-3,712 | $15,081 | $1,257 | $446 |
| Year 10 | $41,794 | $21,239 | $0 | $7,000 | $13,556 | $-4,338 | $16,218 | $1,351 | $496 |
Assumptions: Rent grows at 3% p.a. Council rates grow at 7% p.a. (property-value-linked). Insurance, maintenance, body corporate, and other costs grow at 2.5% p.a. (CPI). Depreciation from ATO schedule. Tax brackets held at Year 1 rates. "True OOP/mo" = after-tax monthly cashflow minus monthly principal repayments across all loans.
10-Year Equity Projection▼
| Year | Property Value | Total Debt | Gross Equity | Equity from Growth | Equity from Principal |
|---|---|---|---|---|---|
| Year 1 | $620,600 | $457,715 | $162,885 | $40,600 | $6,285 |
| Year 2 | $664,042 | $451,077 | $212,965 | $84,042 | $12,923 |
| Year 3 | $710,525 | $444,068 | $266,457 | $130,525 | $19,932 |
| Year 4 | $760,262 | $436,665 | $323,597 | $180,262 | $27,335 |
| Year 5 | $813,480 | $428,846 | $384,634 | $233,480 | $35,154 |
| Year 6 | $870,424 | $420,589 | $449,834 | $290,424 | $43,411 |
| Year 7 | $931,353 | $411,869 | $519,484 | $351,353 | $52,131 |
| Year 8 | $996,548 | $402,660 | $593,888 | $416,548 | $61,340 |
| Year 9 | $1,066,306 | $392,935 | $673,372 | $486,306 | $71,065 |
| Year 10 | $1,140,948 | $382,663 | $758,284 | $560,948 | $81,337 |
Assumptions: Property value grows at 7% p.a. (capital growth). Debt balances are amortised based on each loan's rate and term. IO loans maintain their balance during the interest-only period. Equity from Principal = initial total debt minus remaining debt.
10-Year Depreciation ScheduleDiv 43 + Div 40 ▼
| Year | Division 43 — Capital Works allowance at 2.5% p.a. on 90% of construction cost for up to 40 years.Div 43 | Division 40 — Plant & equipment at 20% diminishing value on 70% of the Div 40 allocation.Div 40 Standard | Low-Value Pool — 30% of Div 40 value. 18.75% in Year 1 (full rate, not pro-rated), 37.5% in subsequent years.Div 40 Pool | Total |
|---|---|---|---|---|
| Year 1 | $846 | $526 | $1,575 | $2,947 |
| Year 2 | $6,300 | $3,815 | $2,559 | $12,674 |
| Year 3 | $6,300 | $3,052 | $1,600 | $10,951 |
| Year 4 | $6,300 | $2,441 | $1,000 | $9,741 |
| Year 5 | $6,300 | $1,953 | $625 | $8,878 |
| Year 6 | $6,300 | $1,563 | $391 | $8,253 |
| Year 7 | $6,300 | $1,250 | $244 | $7,794 |
| Year 8 | $6,300 | $1,000 | $153 | $7,453 |
| Year 9 | $6,300 | $800 | $95 | $7,195 |
| Year 10 | $6,300 | $640 | $60 | $7,000 |
Assumptions: Asset value split 90% Div 43 / 10% Div 40. Div 40 split 70% Standard (DV 20% p.a.) / 30% Low-Value Pool (18.75% Y1, 37.5% thereafter). Year 1 Div 43 and Standard are pro-rated by days held from settlement to 30 June. LVP Year 1 rate is not pro-rated per ATO rules.
These calculators and estimators serve as general guides and are intended for illustrative use only. These calculators do not constitute financial, credit, taxation or investment advice. Because details may be incomplete or subject to change, these calculators, estimators and print version should not be treated as definitive sources of truth. The findings are generated from data provided by you and variables from external sources and assumptions used within the calculators. As such, this information can change frequently and may not always be current. You are responsible for confirming the accuracy, relevance, and completeness of these data points as they pertain to your specific situations. We provide no guarantees regarding the precision of the outputs of any calculators or estimators. Results should be treated as illustrative only and verified with appropriate professional advice. We accept no liability for any loss, damage, or consequence resulting from your reliance on the information they provide.
Property Financing Estimator
| Year | Div 43 | Div 40 Std | Div 40 Pool | Total |
|---|---|---|---|---|
| Year 1 | $846 | $526 | $1,575 | $2,947 |
| Year 2 | $6,300 | $3,815 | $2,559 | $12,674 |
| Year 3 | $6,300 | $3,052 | $1,600 | $10,951 |
| Year 4 | $6,300 | $2,441 | $1,000 | $9,741 |
| Year 5 | $6,300 | $1,953 | $625 | $8,878 |
| Year 6 | $6,300 | $1,563 | $391 | $8,253 |
| Year 7 | $6,300 | $1,250 | $244 | $7,794 |
| Year 8 | $6,300 | $1,000 | $153 | $7,453 |
| Year 9 | $6,300 | $800 | $95 | $7,195 |
| Year 10 | $6,300 | $640 | $60 | $7,000 |
| Year | Net Rent | Total Interest | Annual Costs | Depreciation | Taxable Income | Tax Refund | After-Tax CF | Monthly CF | True OOP/mo |
|---|---|---|---|---|---|---|---|---|---|
| Year 1 | $32,032 | $25,225 | $0 | $2,947 | $3,860 | $-1,236 | $5,571 | $464 | $-59 |
| Year 2 | $32,993 | $24,872 | $0 | $12,674 | $-4,553 | $1,458 | $9,579 | $798 | $245 |
| Year 3 | $33,983 | $24,500 | $0 | $10,951 | $-1,468 | $470 | $9,953 | $829 | $245 |
| Year 4 | $35,002 | $24,107 | $0 | $9,741 | $1,155 | $-370 | $10,526 | $877 | $260 |
| Year 5 | $36,052 | $23,691 | $0 | $8,878 | $3,483 | $-1,114 | $11,247 | $937 | $286 |
| Year 6 | $37,134 | $23,253 | $0 | $8,253 | $5,628 | $-1,800 | $12,081 | $1,007 | $319 |
| Year 7 | $38,248 | $22,790 | $0 | $7,794 | $7,664 | $-2,452 | $13,006 | $1,084 | $357 |
| Year 8 | $39,395 | $22,301 | $0 | $7,453 | $9,642 | $-3,086 | $14,009 | $1,167 | $400 |
| Year 9 | $40,577 | $21,784 | $0 | $7,195 | $11,598 | $-3,712 | $15,081 | $1,257 | $446 |
| Year 10 | $41,794 | $21,239 | $0 | $7,000 | $13,556 | $-4,338 | $16,218 | $1,351 | $496 |
Rent grows at 3% p.a. Council rates at 7% p.a. CPI costs at 2.5% p.a. Tax brackets held at Year 1 rates. True OOP/mo = monthly cashflow minus monthly principal.
| Year | Property Value | Total Debt | Gross Equity | Equity from Growth | Equity from Principal |
|---|---|---|---|---|---|
| Year 1 | $620,600 | $457,715 | $162,885 | $40,600 | $6,285 |
| Year 2 | $664,042 | $451,077 | $212,965 | $84,042 | $12,923 |
| Year 3 | $710,525 | $444,068 | $266,457 | $130,525 | $19,932 |
| Year 4 | $760,262 | $436,665 | $323,597 | $180,262 | $27,335 |
| Year 5 | $813,480 | $428,846 | $384,634 | $233,480 | $35,154 |
| Year 6 | $870,424 | $420,589 | $449,834 | $290,424 | $43,411 |
| Year 7 | $931,353 | $411,869 | $519,484 | $351,353 | $52,131 |
| Year 8 | $996,548 | $402,660 | $593,888 | $416,548 | $61,340 |
| Year 9 | $1,066,306 | $392,935 | $673,372 | $486,306 | $71,065 |
| Year 10 | $1,140,948 | $382,663 | $758,284 | $560,948 | $81,337 |
Property value grows at 7% p.a. Debt balances amortised per each loan's rate and term. IO loans maintain balance during interest-only period.
Notice: These calculators and estimators serve as general guides and are intended for illustrative use only. These calculators do not constitute financial, credit, taxation or investment advice. Because details may be incomplete or subject to change, these calculators, estimators and print version should not be treated as definitive sources of truth. The findings are generated from data provided by you and variables from external sources and assumptions used within the calculators. As such, this information can change frequently and may not always be current. You are responsible for confirming the accuracy, relevance, and completeness of these data points as they pertain to your specific situations. We provide no guarantees regarding the precision of the outputs of any calculators or estimators. Results should be treated as illustrative only and verified with appropriate professional advice. We accept no liability for any loss, damage, or consequence resulting from your reliance on the information they provide.
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