Investment Property Comparison Calculator

Compare multiple properties side-by-side with detailed analysis, tax benefits, and growth projections

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🏠 Advanced Property Investment Analysis

Comprehensive investment comparison with tax analysis, risk assessment, and strategic planning

💰 Your Investment Profile

Ownership Structure & Tax Benefits

In Australia, negative gearing tax benefits are split based on legal ownership percentage, not income contribution. This means each owner claims their share of rental income and expenses on their individual tax return.

Single Purchase: You claim 100% of rental income/losses and get tax benefits based on your marginal tax rate.
Joint Purchase: Tax benefits split by ownership % - higher income earners get bigger tax savings from their share.

Your Details

🏠 Property A

Used for both 5-year projections and affordability timeline

Gardening, repairs, maintenance, etc.

🏠 Property B

Used for both 5-year projections and affordability timeline

Gardening, repairs, maintenance, etc.

📊 Comprehensive Investment Analysis

Understanding Key Metrics

Rental Yield: Annual rent as percentage of purchase price. Higher yield = better cash flow relative to investment.
After-Tax Cash Flow: Your actual annual cash contribution/income after tax benefits from negative gearing and depreciation.
Annualised Return: Total return (cash flow + capital growth) per year as percentage of your deposit investment.
Break-Even Rent: Weekly rent needed to achieve neutral cash flow. Compare to current market rents.

📈 Investment Performance Charts

Chart Insights

These visual representations help you understand the long-term performance trajectory of each investment option.

Property Value Growth: Shows how each property's value compounds over 5 years based on your expected capital growth rates.
Cumulative Cash Flow: Tracks the total after-tax cash flow impact over time. Negative values show your annual contribution requirements.
Return Comparison: Compares the total annualized returns (cash flow + capital growth) between both properties.

Property Value Growth (5 Years)

Cumulative Cash Flow

Total Return Comparison

⚠️ Risk Analysis & Stress Testing

How Risk Analysis Works

This section stress-tests your investment under various challenging scenarios to help you prepare for potential risks. Understanding how your cash flow and equity change under different conditions is crucial for making informed investment decisions.

Interest Rate Impact: Shows how rising rates affect your annual cash flow. Higher rates = higher loan costs = lower cash flow.
Vacancy Impact: Calculates the financial impact of extended vacant periods beyond your planned vacancy rate.
Market Decline: Shows your equity position if property values fall. Negative equity means you owe more than the property is worth.
Emergency Funds: Recommended cash reserves for unexpected expenses, repairs, or extended vacancies.

⏰ Deposit Readiness Timeline

Understanding Your Deposit Readiness Timeline

This timeline answers a critical question: "Am I saving fast enough, or are property prices rising faster than I can save?"

What This Shows:
  • When you'll have saved enough for a 20% deposit
  • How property prices grow each year (based on your growth estimates)
  • Whether you're winning or losing the "savings vs price growth" race
  • Realistic timeframes for market entry
Key Insights:
  • Green (Ready): Your savings exceed the required 20% deposit
  • Red (Gap): Shows exactly how much more you need to save
  • If the gap keeps growing, consider increasing savings or looking at lower-priced areas
  • This helps you plan realistic purchase timelines

Important: This assumes you need a 20% deposit and doesn't consider loan pre-approval. Once you have sufficient deposit and are approved for a mortgage, you can "afford" the property. This timeline focuses specifically on deposit readiness, not loan affordability.

Action Steps Based on Your Timeline

If your deposit will be ready soon: Start getting pre-approved for finance and researching specific properties in your target areas.

If there's a significant gap: Consider increasing your monthly savings, looking at lower-priced properties, or investigating areas with slower price growth.

If prices are rising faster than you can save: You might need to adjust your strategy - either save more aggressively or consider different locations/property types.

💡 For Complete Deposit Analysis

This timeline shows basic deposit readiness based on property price growth. For a comprehensive deposit analysis including stamp duty, LMI costs, legal fees, and detailed state-by-state calculations, use our Deposit Readiness Calculator.

🔧 Complete Your Analysis

Enhance your property investment research with our complementary tools

💰

Deposit Readiness Calculator

Live Now

Get a detailed deposit strategy analysis with accurate stamp duty calculations, borrowing capacity estimates, and personalised savings timeline for your investment goals.

Stamp Duty Calculator LMI Analysis Readiness Score State-by-State Costs
Use This Tool →
⚖️

Advanced Risk Analysis

Coming Soon

Comprehensive stress testing with market volatility scenarios, interest rate sensitivity analysis, and emergency fund recommendations.

Stress Testing Market Scenarios Risk Scoring Emergency Planning
Coming Soon

💡 Pro Tip

For the most comprehensive property investment analysis, use both tools together. Start with the comparison calculator to evaluate properties, then use the deposit calculator to plan your purchase timeline and financing strategy.

⚠️ Important Disclaimer

This tool provides general information and calculations for educational purposes only. It does not constitute financial, investment, tax, or legal advice. Property investment involves significant risks including potential capital loss, vacancy periods, and market fluctuations. Tax laws and regulations may change and can vary based on individual circumstances. Always consult with qualified financial advisors, accountants, and legal professionals before making any investment decisions.

Important Disclaimer

This tool provides general information only and is not financial advice. Every investment situation is unique, and you should always consult with qualified professionals including accountants, financial advisers, and solicitors before making investment decisions. The calculations are based on the information you provide and certain assumptions about market conditions, interest rates, and other factors that may change over time.

Use this tool as a starting point for your research and analysis, but always do your own due diligence and seek professional advice tailored to your specific circumstances.