Simple Property Investment Calculator

See how much money you could make from renting out and owning a house over time.

1. Put In Your Numbers

*Government tax (stamp duty), lawyers, building checks, etc.

Cost Benefit Breakdown

Cash you need upfront: $0
Rent coming in (Yearly): $0
Total Expenses & Loan (Yearly): $0
Your yearly cash position: $0
Average Yearly Return ($)*: $0
*if kept for loan term
Average Annual ROI ($)*
$0
Total ROI* ($)
$0
Hover over the graph to compare your loan balance with your total ROI

Additional Potential Benefits (Not Factored Above)

  • Negative Gearing & Tax Deductions: If your total property property expenses outpace your rent, you can often deduct that loss directly from your personal income tax. Expenses like interest payments, repairs, management fees, and council rates are typically fully tax-deductible.
  • Property Depreciation: You can legally claim the structural wear-and-tear of the building and its appliances over time as a "paper loss" to lower your taxable income, without physically losing any money.
  • Rental Price Increases: This calculator keeps rent at a fixed price. In reality, rents tend to escalate over a multi-decade timeline, boosting your yearly cash positioning over time.
  • The Power of Leverage: Real estate allows you to generate compounding wealth on the bank's money. You receive 100% of the asset's growth value despite only putting down a fraction of it as an upfront cash deposit.
  • Principal Mortgage Paydown: As your tenants pay down your loan balance each month, you are systematically converting standard bank debt directly into personal property equity.
  • General Information Only: The information on this website is for general information only. It should not be taken as constituting professional advice from the website owner, ClearCents.
  • No Financial Advice: ClearCents is not a financial adviser. You should consider seeking independent legal, financial, taxation, or other advice to check how the website information relates to your unique circumstances.
  • Liability: ClearCents is not liable for any loss caused, whether due to negligence or otherwise, arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.
  • Illustrative Purpose: The results provided by this calculator should not be taken as a substitute for professional advice. ClearCents provides no warranties and makes no representation that the information provided is appropriate for your particular circumstances or indicates you should follow a particular course of action.
  • Loan Amortization: Calculations assume a standard Principal and Interest (P&I) loan structure using an amortizing formula. Interest rates are assumed to remain static for the full duration of the projection.
  • Investment Property Modeling: Property value growth is calculated as a compound annual growth rate applied monthly. Rental yields and property operating costs (such as management fees, council rates, and insurance) are assumed to remain constant and do not account for annual inflation or market volatility.
  • Full Occupancy: The model assumes 100% rental occupancy and does not factor in potential “vacancy periods” or emergency maintenance costs that may affect cash flow.
  • Upfront Costs: All “Purchasing Costs” (including stamp duty, legal fees, and inspection costs) are assumed to be paid entirely at Year 0 and are not included in the financed loan principal.
  • Exclusions: Calculations exclude Capital Gains Tax (CGT), negative gearing tax offsets, depreciation schedules, and Lenders Mortgage Insurance (LMI). These factors can materially impact the actual net return of a property investment.