Calculator Demo

Property Details

Geographical property location
Property purchase price or market value
Enter a property value less than $10,000,000
Expected weekly rental income
Enter a rental income less than $6000
Select appropriate option

Loan Details

Proposed new loan amount or current loan
Enter a loan amount less than $0
Loan Type:
The loan type will impact on your cashflows and tax benefits. Loan term for P&I is 30 years
Loan Term: 30
Interest rate adjustment indicator: 300%
The interest default rate can be adjusted. Changes will impact on your cashflows and tax benefits
Monthly Payment
Annual Interest Amount
Annual Principal Payment
Total Annual Loan Payment

Your Income Details

Number of owners on property title:
Prime owner gross annual Income:
Co Owner owner gross annual Income:
Prime property owner title share: %
Your cashflow and tax benefits are linked to your property ownership title share.

PICA Score

50
Safe property price entry point for owner(s) income
Acceptable property price entry point for owner(s) income
Maximum property price entry point for owner(s) income
Caution - high property price entry point for owner(s) income
Warning - reconsider property price entry point for owner(s) income
Critical - avoid this property price entry point for owner(s) income

Profit and Loss

Tenant Pays

Tax Benefit

Total Weekly Costs
Your weekly profit would be
Your weekly investment losses would be
50

Associated Costs

CASHFLOW ANALYTICS
Borrowing & Buying Costs
Total Purchasing Costs
Transfer Property Stamp duty
Conveyancing/Solicitor
Transfer of Land Title Fee
Borrowing Finance Costs
Bank Establishment fee
Mortgage solicitor fee
Registration of mortgage fee
Bank valuation fee
Bank search fee
Lenders Mortgage Insurance
Other Miscellaneous Costs
Total Borrowing & Buying Costs
Tax Deductibles
Rental Expenses
Rates
Body Corporate
Agent Letting Fee
Insurance Premium
Agent Management Fees
Maintenance Fee
Depreciable items
Depreciation fixtures and fittings
Depreciation Building Allowance
Borrowing costs Amortisation
Interest on Loan
Total Tax Deductions

Owner Income Tax Impact of Cashflows

Prime Owner Title Share % Partner Owner Title Share %
Current Income Tax Payable
Before Property Purchase
New Income Tax Payable
After Negative Gearing Considered
Current Income Tax Payable
Before Property Purchase
New Income Tax Payable
After Negative Gearing Considered
Your Annual Income: $ Annual Rental Income Your Annual Income: $ Annual Rental Income
Total Income Total Income
Rental Deductions Rental Deductions
New Taxable Income New Taxable Income
Average Tax Rate: New Average Tax Rate Average Tax Rate: New Average Tax Rate
Annual Present Tax: New Annual Tax Annual Present Tax: New Annual Tax
Annual Tax Savings Annual Tax Savings
Tax Credits Tax Credits

Who Pays the Expenses

Weekly loan repayment & other expenses
Tenant Pays

Tax Benefit

Owner Pays