Property investment calculators
Free property investment calculators for Sydney, NSW and Australia: stamp duty, rental yield, refinance, SMSF borrowing and cash flow scenarios before you buy.
Which property calculator should you use first?
Start with the calculator that answers your current question. Use stamp duty and deposit tools to size upfront cash, rental yield and cash flow tools to test holding costs, and borrowing or refinance tools to check loan scenarios. Results in Sydney, NSW and across Australia are estimates from your inputs, not lending approval or financial advice.
Match the tool to the decision
Most investors open a yield calculator first, but the purchase often fails on upfront cash or borrowing limits. Work in order: upfront costs, finance, holding costs, then comparison between properties. Each step narrows the shortlist before you spend on inspections or legal reviews.
Use your own figures, not defaults
Defaults are placeholders. Replace them with the advertised price, a rental appraisal from a local agent, a written loan quote and strata or council figures from the contract. A scenario built on your documents is far more useful than one built on averages.
Test the downside
Run each scenario again with a higher interest rate, a vacancy period and an unexpected repair. If the result only works under ideal assumptions, treat that as a warning rather than a reason to stretch the budget.
Frequently asked questions
Are these calculators free to use?
Yes. Calculators run in your browser and do not require an account. Signing in lets you save scenarios to your profile.
Do calculator results count as financial advice?
No. They are general estimates from the inputs you provide. Speak with a licensed adviser, broker or tax professional before relying on a result.
Do the tools cover every Australian state?
Duty and land tax rules vary by state or territory. Where a tool is state-specific it says so; always confirm figures with the relevant state revenue office.