Property Finance Tools.

Property finance tools to help you grow your portfolio.
More clarity, more certainty

Every good decision starts with real numbers, not guesswork. These four tools give you a clear read on cost, cash flow, tax and yield — before you commit to a property. I built this page for investors who want clarity before they call me, not just after.

Holding Costs Calculator
Cash Flow
calculator
negative gearing estimator
Rental Yield
Calculator

Holding Costs Calculator

Off-the-plan and house and land packages come with more moving parts than an established home — land cost, build cost, and a string of government fees. This estimator pulls them together so you know your real all-up cost before you sign anything.

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Cash Flow Calculator

Rental income minus loan repayments, rates, insurance and management fees — this is the number that actually matters week to week. Use it to see whether a property will support itself or draw on your own income.

Loan type

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Negative Gearing Estimator

Depreciation, negative gearing, capital gains — the tax side of property investing catches a lot of first-time investors out.
This gives you a starting estimate.

This is a simplified estimate for planning purposes only — it doesn’t account for capital works deductions or your full tax position. Always confirm the detail with your accountant before you buy. See Moneysmart’s guide for more.

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Rental Yield Calculator

Gross and net rental yield tell two different stories about a property. This shows both, so you can compare properties on a level footing rather than going on gut feel.

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These tools are a starting point, not a strategy. If you want to see how a property fits your actual portfolio plan, book a call or read more about how I build a portfolio.

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