InvestmentOwner Occupied

The Smart Property Calculator

Go beyond the sale price. Get the financial clarity you need to invest with confidence, whether it's your home or your next portfolio asset.

Quick Start Guide

New to property investment? Here's what you need to know.

🏠 How do I use this calculator?+

Ready to get started? Follow these simple steps:

1

Toggle Mode

Select Investment or Owner Occupied at the top right.

2

Enter Details

Fill in the property information on the left panel.

3

Adjust Settings

Review and adjust the configuration settings on the right panel.

4

See Results

Click Calculate to see your cash flow analysis.

📊 What is the Price-to-Income Index?+

The Price-to-Income Index helps you understand property affordability. It compares a home's price to the average household income in the area. A higher number means it's less affordable.

< 4.0
Affordable
Rare cases.
4.1-6.0
Moderately Unaffordable
Common in smaller cities.
6.1-10.0
Seriously Unaffordable
Typical for capital cities.
> 10.1
Impossibly Unaffordable
The reality for many metro areas.

Australian Context: Most Australian capital cities fall in the "impossibly unaffordable" category, with Sydney and Melbourne often exceeding 12-15 times household income.

💰 Investment vs Owner Occupied - What's the difference?+

Investment Mode

Focus: Cash flow and profitability.
Calculates: Rental income, expenses, and tax deductions (e.g., negative gearing).
Best for: Rental properties.

Owner Occupied Mode

Focus: Total cost of ownership.
Calculates: Monthly and annual expenses (e.g., loan repayments, rates).
Best for: Your primary residence.
💡 What should I do with my results?+

Use your calculation results to:

For Investors

  • •Compare properties.
  • •Assess cash flow & tax benefits.
  • •Use data to negotiate.

For Homebuyers

  • •Budget for all costs.
  • •Compare buying vs. renting.
  • •Assess long-term affordability.

Pro Tip: Use the email feature below your results to get a detailed PDF report for easy reference and comparison.

Property Details

Enter your property information

m²
Bedrooms
Bathrooms
Carparks

Configuration

Tax-deductible settings

0%15%
0%15%
0%5%

Ready to Calculate

Enter your property details above to see your personalized analysis