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
Sample Reports 1. Property Portfolio 30 Years Summary
2. Property One Page Summary
3. Property Snapshot
4. Property Summary
5. Property 30 Years Details
N/A N/A N/A
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
Please choose the Calculator you want to buy:
Your Email Address
Promotion Code (if applicable)
$59
Purchase Now - Personal Use
Please choose the Calculator you want to buy:
Your Email Address
Promotion Code (if applicable)
Free
^ NRAS calculation unlock code for Standard version now is FREE from 2022.
* 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.

Important Assumptions

Please note: All the investment property calculators (Basic version, Standard version, Professional version, or Ultimate version) have the same set of following assumptions.

(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.