Property Calculator FAQ

Personal circumstances vary widely — including market conditions, tax position, costs, and goals — so no calculator can tell you what to do. This educational tool lets you compare modelled sell vs hold scenarios based on inputs you control. Outputs are informational estimates only and are not financial advice. Seek a licensed financial adviser if you need personal guidance.

The calculator models two paths side by side. The sell path estimates net proceeds after agent fees, legal costs, and capital gains tax under your inputs. The hold path projects property value, equity, rental income, and loan balance over your chosen hold period — using compound growth assumptions you can customise. Results are illustrative only.

A 10-year horizon is a common modelling choice because it allows time for assumed capital growth and principal reduction. It is not an optimal or recommended holding period. Suitability depends on market conditions, rental income, costs, and personal goals. This calculator lets you test different timeframes to see projected outcomes under your assumptions.

Yes. All key assumptions — property growth rate, rent growth, interest rate, holding costs, and loan details — are fully editable. This lets you explore conservative, base, or optimistic scenarios for educational comparison.

A 25% CGT discount means 25% of your capital gain is excluded from taxation, and 75% is taxed at your marginal rate. This scenario is useful for comparing outcomes where a reduced discount applies (e.g., some investment structures or scenarios). Lower discounts result in higher tax payable compared to a 50% discount.

A 30% CGT discount means 30% of your capital gain is excluded from taxation, and 70% is taxed at your marginal rate. This discount rate can apply in various investment structures or scenarios where a moderate reduction is available. Use this scenario to model outcomes between a 25% discount (lower benefit) and a 40% discount (higher benefit).

A 40% CGT discount means 40% of your capital gain is excluded from taxation, and 60% is taxed at your marginal rate. Some investment vehicles or entities may be eligible for this discount rate after holding assets for the required period. This provides a meaningful reduction in tax payable compared to smaller discounts.

In Australia, individual property investors who are Australian residents and have held their property for at least 12 months may qualify for a 50% CGT discount. This is the standard discount for individual investors meeting the holding period requirement. A 50% discount means only half your capital gain is added to your taxable income. SMSFs and trusts have different rules and may have access to different discount rates.

The CGT Discount Comparison Tool lets you input your property details and compare net proceeds across 25%, 30%, 40%, and 50% discount rates side by side. This helps you understand the tax impact of each scenario and project your after-tax proceeds over multiple years. Enter your purchase price, current value, costs, and holding period to see the difference each discount rate makes.

Self-Managed Super Funds (SMSFs) are generally eligible for a 33% CGT discount after holding an asset for more than 12 months. SMSFs also pay a lower tax rate (15% on capital gains). The exact discount and tax treatment depend on the fund's structure and the asset type. Consult a tax professional to understand SMSF-specific rules.

Trusts may have access to different CGT discount rates depending on their structure (e.g., discretionary, unit, or testamentary trusts) and holding periods. Some trusts may not qualify for discounts at all, while others may be eligible for a 50% discount. The tax rate applied also depends on the trust distribution rules. Consult a tax professional for trust-specific CGT treatment.

Capital gains tax (CGT) is calculated on the profit from selling an asset. The profit is selling price minus cost base (purchase price plus acquisition costs). If an individual has held the asset for 12+ months, they may qualify for a 50% CGT discount. The discounted gain is added to assessable income and taxed at the marginal rate. This calculator provides educational CGT estimates from your inputs — not tax advice.

Selling costs often include real estate agent commissions (commonly around 1–3% of sale price), legal fees, conveyancing costs, and marketing expenses. When estimating capital gain, these costs typically reduce proceeds and relate to cost base treatment. Include the direct costs that apply to your scenario — this tool does not determine which costs apply to you.

No. All outputs are for educational and informational purposes only and do not constitute financial, tax, credit, legal, or investment advice of any kind. Every person's situation is different. Seek a licensed financial adviser or tax professional if you need personal advice.

Projections are estimates based on the assumptions you input — property growth rate, rent growth, interest rate, and expenses. The calculator uses these to model future outcomes year by year. Results are illustrative, not guaranteed. Trying conservative, base, and optimistic scenarios can show a range of modelled outcomes. Always verify important numbers with a qualified professional; this is not advice.

No. The Sell vs Hold Scenario Comparison Tool, Capital Gains Tax Calculator, ROI Calculator, Rent vs Buy Scenario Comparison Tool, Mortgage Repayment Calculator, and Mortgage Offset Calculator are all free to use with no signup required. You can input your assumptions and see projections immediately.

An offset account is a transaction account linked to your home loan. The balance in the offset reduces the loan amount that interest is charged on. If you owe $500,000 and have $40,000 in offset, interest is charged on $460,000. The offset balance itself is not a repayment — you still own that cash, and the scheduled repayment stays the same. Because less interest is charged, more of each repayment reduces principal, so the loan can finish earlier.

Payoff year is driven by the amount you actually pay the lender, not a theoretical minimum. If the calculator invented a P&I repayment from the loan, rate, and term, it could ignore extra you already pay — or assume a repayment you cannot make. Enter weekly, fortnightly, or monthly the amount that leaves your account. If that amount does not cover the interest charged, the loan does not pay off in this model.

Yes, because repayments are applied on a weekly, fortnightly, or monthly schedule, and interest is estimated daily on (loan − offset). $1,000 a week is also a larger annual total than $1,000 a month (×52 vs ×12). Choose the frequency that matches how you actually pay, then enter that period’s amount.

Extra deposits stay in the offset account. They are not extra principal repayments. They are added on the same weekly, fortnightly, or monthly schedule you choose, which reduces the daily interest charged from the next day. The without-offset comparison uses the same loan repayment and ignores extra offset deposits, so you can see the effect of the offset strategy on its own.

This calculator estimates interest daily on (loan − offset) using a 365-day year, then applies your actual weekly, fortnightly, or monthly repayment. Unpaid interest is charged to the loan 12 times per year. Lenders may use 365 or 365.25 days and different posting rules, so results are educational estimates, not a bank statement. Confirm figures with your lender; seek a licensed adviser if you need personal guidance.

No. Outputs are for informational and educational purposes only and do not constitute financial, credit, tax, or investment advice of any kind. Offset features, redraw, and interest calculation methods vary by lender. Seek advice from a licensed financial adviser or mortgage broker if you need personal guidance about your loan or savings arrangements.