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Educational Property Scenario Tool

Educational property scenarios through clear comparisons.

A free community tool for exploring property tax scenarios, CGT estimates, and cash flow calculations.
Built by an independent software engineer to visualise hypothetical outcomes — not to give advice of any kind.

Try Your Own Scenario

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Market Uncertainty

Explore how sell-today versus hold scenarios look under different growth assumptions.

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Cash Flow Exploration

Model illustrative holding cash flow using rent, expenses, and rate inputs you control.

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Tax Estimates

Estimate indicative capital gains tax figures from your inputs — educational only, not tax advice.

What Sell vs Hold Scenarios Compare

Selling an investment property can involve capital gains tax estimates, while holding may involve years of interest payments, maintenance, and opportunity costs in a modelled scenario.

This educational tool lets you explore those variables using your own inputs — comparing a sell-today path against a hold path on the same timeline. Outputs are illustrative estimates only and are not financial, tax, or investment advice.

Key factors modelled

Property appreciation over a chosen hold period
Rental income growth year on year
Loan repayments and interest costs
Capital gains tax estimates on a modelled sale
Long-term wealth outcomes compared side by side

Who This Educational Tool Is For

Built for people who want to explore illustrative property numbers — not to receive personal advice.

People exploring sell versus hold property scenarios

Owners modelling outcomes after capital growth assumptions

Anyone estimating capital gains tax figures before a sale scenario

Users comparing long-term modelled wealth outcomes side by side

Example: Selling vs Holding a $650k Investment Property

Here's how the calculator models a realistic investment scenario.

Example Investment Property

Property

Purchase price: $650,000
Weekly rent: $550 / wk
Years held: 5 years

Selling Today

$410,000

net proceeds after CGT & costs

Capital locked in. Growth stops here.

Holding 10 Years

$1,020,000

projected equity & wealth

Compounding growth, rent, & loan paydown.

Result

+$610,000 wealth difference

Try Your Own Scenario