Investment Property Calculator
Investment Property Calculator was developed by InvestmentPropertyCalculator.com.au using Excel spreadsheet with the consultation and feedback from CPAs, Real Estate Agents, Property Investors, Property Investment Mentors, SMSF Specialists, and Wealth Creation Specialists in order to help property investors in answering the following questions:
- Can I afford an investment property?
- Should I buy this property for investment?
- Will this property be a negative gearing investment property?
- What the tax deductions I can get from investing on this rental property?
- How much do I need to pay out of pocket on a weekly basis for this investment property?
- What the cash flow will be for this investment property?
- How much the capital gain tax will be if I sell this rental investment property?
- What the net after tax profit I will make from selling this property?
- What is the rate of return on investment based on purchase price or cash investment?
The above listings are the important questions that I asked myself before I bought my first investment property. I spent lots of time to search for a good investment property calculator that can estimate the cost, tax deductions, capital gain, return on investment, cashflow etc of rental investment properties but couldn't find one although there were many property investment calculators available at different prices.
In early 2008 I created an investment property calculator in Excel spreadsheet for my own personal use in order to help me with my rental property investment analysis. I used this investment property calculator workbook on several potential properties located in Sydney. In late 2008, I bought an one bedroom investment apartment in Sydney South and secured an interest only loan including 100% of the property purchase price ($315,000) plus of the stamp duty etc. This investment property started as a negative gearing property. When the home loan interest rate was as low as around 5.00% in 2009, it became a positive cash flow property. With the mortgage interest rate went back close to the normal range of about 9%, this property once again became a negative gearing investment property. However, even at that interest rate I only need to pay less than $70 per week to control this property. In late 2012 I refinanced to Ubank. The property valuation report from Ubank showed the value of this investment property has gone up to $400,000 which means that I have an unrealised capital gain of $85,000 in this property.
Several friends of mine have tried this investment property calculator in Excel and found it is helpful by saving their time to do all the manual paper calculations. They also felt that they had made informed decision because the calculator provides them a lot of information on what costs they should factor in when purchasing investment property and lets them simulate how the return on investment (ROI) changes when the costs and rental change.
In year 2009, I decided to provide a simple version of this property investment calculator free for download, and this site was born. The free investment property calculator suits people who are starting to look into property investment. If you think you are ready to buy, you might want to buy other versions of the investment property calculator before you make your final decision.
You can purchase the Standard, the Professional, or the Ultimate version of the investment property calculator at $34.99, $54.99, and $129.99 respectively. The prices are very reasonable because comparable property investment analysis tools in the market right now are selling for at least more than $200. I also offer up to more than $300 free bonus (see the table below) when you purchase the paid versions mentioned above. This means that you will get more value than the price you pay. For example, you only pay $129.99 for the Ultimate investment property calculator but you can get a package worth of more than $450.00.
||1. Lifetime Free Update
||1. Simple Negative Gearing Affordability Calculator
2. Lifetime Free Update
||1. Negative Gearing Affordability Calculator
2. Investment Property Evaluation Spreadsheet
3. Investment Property Management Spreadsheet
4. Lifetime Free Update
The Standard, Professional, and Ultimate investment property calculators offer a lot of more features and are more powerful than the free property calculator. They generally allow you to understand how your investment properties perform over 30 years from year to year. You can change lots of assumptions which you cannot do with the free version. To find which one suits you best and to compare the different versions, please see Investment Property Calculators Comparison. You can view some screen shots of the standard investment property calculator or the professional investment property calculator.
From time to time I will be adding Free calculators in Excel to this website. Some recently released free Excel spreadsheet calculators include Individual Tax Calculator Australia - estimates your monthly, fortnightly, or weekly tax, Credit Card Consolidation Calculator - analyses whether you should consolidate your debts, Rent or Buy Spreadsheet Analysis Calculator - shows "should you rent or buy a property", Mortgage Amortisation Schedule Excel Spreadsheet - creates mortgage amortization schedule with/without extra payments, Mortgage Calculator Australia - calculates mortgage repayment interest only or principal and interest, Property Loan to Value Ratio Calculator, and Property Rental Yield Calculator.
In April 2012, I decided to make two more free investment property calculators by simplifying the paid NRAS and SMSF calculators - the free NRAS investment property calculator and the free SMSF property investment calculator. The free NRAS property investment calculator suits investors who invest in properties under the National Rental Affordability Scheme (NRAS) scheme. The free SMSF property calculator is for investors who want to invest in properties through a Self Managed Super Fund (SMSF).
You can find all kinds of positive comments on my calculators - paid or free. If you find any calculator useful and want to provide positive feedback or you would like to provide feedback on how we can possibly improve any calculator, please let me know.
Since the establishment of this website, we have been able to serve valuable customers from different countries. Our customers are not limited to individual property investors. We have many commercial clients such as wealth creation consulting firms, real estate agencies, property investment education organizations, CPAs, etc. All our customers are very happy with our products and services - we had never received a single refund request from our customers!
I do love to build Excel spreadsheet calculators or tools, so if you have an idea for a calculator that you think would be a good fit for this site or useful for youself and a few friends of yours ☺, please feel free to contact me and let me know what it is.
Disclaimer: All the Investment Property Calculators are built for residential properties but not commercial properties. Using the Investment Property Calculators for commercial property investment (e.g. retail shop, office etc) is at your own risk. In order to use the calculators provided on this website, you need to have Microsoft Excel® 2007, 2010, 2013 for Windows® or Microsoft Excel® 2011 for Mac installed on your computer unless otherwise specified. The calculators might work with other operating systems and spreadsheet software that can open XLS document but this hasn't been tested.
Refund Policy: Full refund will be offered if the calculator does not do what it supposes to do as specified on the Investment Property Calculator website. In addition, if you, your accountant, or your financial advisor can prove that the calculations in the calculator are wrong and Investment Property Calculator cannot fix the errors, Investment Property Calculator will offer 100% refund! Please note, you may be able to exchange for another product which is of equal or lesser value than the product you purchased if you wish. Investment Property Calculator will do our best to satisfy all reasonable requests from customers in a courteous, timely, and fair manner. However, it will be the sole discretion of Investment Property Calculator to determine if you can get an exchange and what product you can get.