Property Wizard: Model an Australian Investment Property

Step 1 · You

Start with your taxable situation. This drives the tax effect.

State or territory

Annual taxable income before property ($)

Employment type

Number of owners

Cash buffer after settlement ($)

Intended holding period (years)

First investment property

Step 2 · Property

The purchase you are actually considering.

Property type

Purchase price ($)

Estimated land value ($)

Building age (years)

New build

Step 3 · Loan

How the purchase is funded and on what terms.

Cash deposit ($)

Loan amount ($) Leave blank to auto-fill from price minus deposit.

Loan type

Loan term (years)

Interest rate (%)

Offset balance ($)

Step 4 · Rent

What the property actually collects — and how often it is empty.

Weekly rent ($)

Occupied weeks per year 52 minus your expected vacancy weeks.

Step 5 · Costs

The recurring outlays that run every year.

Annual operating expenses ($) Rates, insurance, management, water — the deductible running costs.

Maintenance allowance ($)

Non-deductible cash costs ($)

Step 6 · Tax assumptions

Optional deductions. Leave at zero if unsure — the calculator stays honest.

Borrowing-cost deduction ($/yr)

Capital works deduction ($/yr)

Depreciation ($/yr)

Other rental deductions ($)

Step 7 · Review

Ready to pressure-test the property. Your results page includes stress scenarios (rates +1% and +2%, eight weeks vacant, a large repair and a rent fall) plus a break-even growth figure.

What you will see first: the weekly cash contribution you may need to cover — before any tax benefit is promoted. The estimated tax effect is shown second, because a deduction reduces a loss but cannot make a weak property strong.

Calculator results depend on the assumptions you enter and may not reflect actual tax treatment or borrowing costs. General information only — not tax, legal, financial-product or credit advice.

Property wizard.