Summary of Features
Investment Property Calculator has four versions for you to choose from. If you are not sure which one suits you best, please refer to the table below which lists all the features offered by the four Investment Property Calculators.
If you are still unsure which Investment Property Calculator suits your needs best or have any questions, please contact us and we are more than happy to answer your questions.
|Features||Ultimate Version||Professional Version||Standard Version||Basic Version|
|Allow multiple investors||Yes - 2 Investors||Yes - 4 Investors||Yes - 4 Investors||Yes - 2 Investors|
|Allow multiple properties||Up to 12 Properties + 3 SMSF Properties + 1 PPOR||No||No||No|
|Estimate SMSF properties||Yes||No||No||No|
|Estimate PPOR properties||Yes||Yes *||No||No|
|Estimate NRAS properties||Yes||Yes *||Yes ^||No|
|Calculate tax before and after deductions||Yes||Yes||Yes||Yes|
|Calculate capital gain||Yes||Yes||Yes||Yes|
|Calculate return on investment (ROI)||Yes||Yes||Yes||Yes|
|Adjust initial cash deposits on properties||Yes||Yes||Yes||Yes|
|Calculate expected Medicare levy from year to year where applicable||Yes||Yes||Yes||Yes|
|Calculate gross and net rental yield||Yes||Yes||Yes||Yes (first year only)|
|Calculate loan to value ratio (LVR) of individual property||Yes||Yes||Yes||Yes (first year only)|
|Calculate expected income tax liability from year to year||Yes||Yes||Yes||No|
|Show property details over years||Yes - 30 years||Yes - 30 years||Yes - 30 years||No|
|Calculate property stamp duty||Yes - all states||Yes - all states||Yes - 1 state||No|
|Calculate mortgage registration Fee||Yes - all states||Yes - all states||Yes - 1 state||No|
|Calculate land transfer registration fee||Yes - all states||Yes - all states||Yes - 1 state||No|
|Calculate mortgage discharge fee||Yes - all states||Yes - all states||Yes - 1 state||No|
|Breakdown cash outgoings by investors||Yes||Yes||Yes||No|
|Breakdown tax savings by investors||Yes||Yes||Yes||No|
|Breakdown investment by investors||Yes||Yes||Yes||No|
|Calculate return on investment (ROI) by investors||Yes||Yes||Yes||No|
|Calculate purchase costs (both property and loan)||Yes||Yes||Yes||No|
|Adjust salary growth rates from year to year||Yes||Yes||Yes||No|
|Adjust rent growth rates from year to year||Yes||Yes||Yes||No|
|Adjust cost increase rates from year to year||Yes||Yes||Yes||No|
|Adjust capital growth rates from year to year||Yes||Yes||Yes||No|
|Adjust home loan interest rates from year to year||Yes||Yes||Yes||No|
|Adjust home loan term in years (P&I loan only)||Yes - 1 to 30 years||Yes - 1 to 30 years||No||No|
|Compare investment by states||Yes||Yes||No||No|
|Compare return on investment (ROI) by states||Yes||Yes||No||No|
|Switch principal and interest (P&I) and interest only (I/O) home loan||Yes||Yes||No||No|
|Specify home loan repayment frequency (monthly, fortnightly, weekly)||Yes||Yes||No||No|
|Allow salary sacrifice||Yes||Yes||No||No|
|Adjust salary sacrifice amount from year to year||Yes||Yes||No||No|
|Adjust income tax scales from year to year||Yes||No||No||No|
|Allow to enter real information from year to year||Yes||No||No||No|
|Predict the value of a portfolio of multiple properties from year to year||Yes||No||No||No|
|Predict serviceability and when can afford the next property||Yes||No||No||No|
|Accommodate specific purchase date in different years||Yes||No||No||No|
|Specify income from different sources (wages, rents, shares, etc)||Yes||No||No||No|
|Define different capital growth rates for different properties||Yes||No||No||No|
|Accommodate specific sold date in different years||Yes||No||No||No|
|Tick-on and tick-off properties||Yes||No||No||No|
|Estimate construction costs||Yes||No||No||No|
|Estimate financial position||Yes||No||No||No|
|Comprehensive rental yield analysis||Yes||No||No||No|
|Calculate combined LVR of multiple properties||Yes||No||No||No|
|Multiple home loans (2 home loans on 1 property)||Yes||No||No||No|
|Mortgage Offset Calculation||Yes||Yes||No||No|
|Bonus - Investment Property Evaluation Spreadsheet||Yes - Free (Worth $79)||No||No||No|
|Bonus - Investment Property Record Keeping Spreadsheet||Yes - Free (Worth $79)||No||No||No|
|Bonus - Negative Gearing Property Affordability Calculator||Yes - Free (Worth $79)||Simple version - Free (Worth $59)||No||No|
|Bonus - Other Calculators||Yes||No||No||No|
|Bonus - Lifetime update||Yes - Free (Worth $199)||Yes - Free (Worth $99)||Yes - Free (Worth $59)||N/A|
|Total Bonus #||$436||$158||$59||N/A|
|Total Value #||$635||$257||$118||Free|
|Cost - Personal Use||$199||$99||$59||Free|
|Cost - Commercial Use||$399||$199||$119||$59|
1. Property Portfolio 30 Years Summary
2. Property One Page Summary
3. Property Snapshot
4. Property Summary
5. Property 30 Years Details
|Extra Bonus - Commercial Use||free customization to include your company logo & website URL into the calculator||N/A||N/A||N/A|
|Purchase Now - Commercial Use||$59|
|Purchase Now - Personal Use||Free|
* PPOR & NRAS calculation unlock code for Professional version is now FREE from 2022.
# Based on Personal Use.
Things You Need to Know
If you are just starting to look into property investment, the basic version might the one you want.
If you just want to buy one property in a specific state, for example, NSW, you might want to buy the standard version. You also get free bonuses worth $59.
If you want to compare across states for one property, you should buy the professional version. You also get free bonuses worth $158.
If you have several investment properties, you should buy the ultimate version which offers all the 50+ features plus free bonuses worth more than $800 including Investment Property Evaluation Spreadsheet (worth $79) and Investment Property Management Spreadsheet (worth $79), etc.
This calculator is built in Microsoft Excel worksheet. You need to have Microsoft Excel® 2007 & Above for Microsoft Windows® OR Microsoft Excel 2011 & Above for Mac® to use it.
All the calculators (paid and free ones) on this website are password protected. If you need the unprotected version of any calculator a fee will apply. The advantage of the unprotected version is that you can freely edit the tool without any limit although we still own the copyright of the unprotected calculator. Please note you cannot re-distribute our calculators without a written approval from us even for the ones with your modification or customization. In addition we are not going to provide any support on unprotected calculators with any modification or customization.
(1) It is assumed the investor has an interest only (unless otherwise stated) home loan and the interest is deductible for tax purposes.
(2) When calculating the Capital Works Deductions, it assumes that the construction of the property started after 15 September 1987 and therefore the depreciation deduction is claimed for 40 years from the date construction was completed at a rate of 2.5% per year. Please note: You can manually adjust the depreciation deduction values from year to year if this assumption does not suit your situation.
(3) When calculating the tax payables, the tax rates applicable to Australian residents are used and the 1.5% Medicare Levy based on the individual Medicare Levy threshold is included where applicable. The calculator does not incorporate any other factors that might influence the amount of tax payable, such as Medicare levy surcharge, HECS contributions, any rebates, and deductions.
(4) The discount method is used to calculate capital gain tax if you hold the property for at least 12 months. The discount percentage is 50%.
(5) All months are assumed to be of equal length. One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.