Real cashflow. Real tax numbers. Real stamp duty. Select any suburb across NSW, VIC, or QLD and run a complete investment analysis — cashflow, negative gearing tax benefit, rate stress test, and net return.
Estimated from suburb data — adjust to your property
Step 2 — Loan Details
Enter as percentage (e.g. 20 = 20%)
Current investment variable rate ~6.19% (April 2026)
Step 3 — Tax & Expenses
Used to calculate your marginal tax rate and negative gearing benefit
Sydney average 7–10% of gross rent
Sydney current vacancy ~1.2%. Budget 3% to be conservative.
Quantity surveyor estimate. New properties ~$8,000–$15,000/yr.
Results — Key Metrics
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Gross Yield
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Net Yield (after costs)
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Annual Tax Benefit
Upfront Costs to Purchase
Total Cash Required—
Annual Cashflow Breakdown
Rate Stress Test
ScenarioRateRepayment/moMonthly Cashflow
Negative Gearing & Tax Calculation
These numbers look interesting?
John compares 50+ lenders to find the most competitive investment rate for your profile — and structures the loan to maximise tax deductibility. Free, no obligation.
Disclaimer: This calculator provides estimates only. Stamp duty figures based on Revenue NSW, SRO Victoria, and OSR Queensland rates as at April 2026. Tax calculations use ATO 2024-25 rates including Stage 3 tax cuts. Rental data is indicative. Depreciation assumes 2.5% building allowance — consult a quantity surveyor for your property. This is not financial or tax advice. Always seek independent professional advice before making investment decisions.
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Free Suburb Report
Sales history · price trends · rental yields · school catchments. John sends it personally.
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