Calculator Demo
Property Details
Geographical property location
Australian Capital Territory
New South Wales
Northern Territory
Queensland
South Australia
Tasmania
Victoria
Western Australia
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
Investment property purchase
My current investment property
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
Interest Only Fixed or Variable Interest Only
Principle & Interest Variable
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:
One
Two
Prime owner gross annual Income:
Co Owner owner gross annual Income:
Prime property owner title share:
50
%
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