Run the property
numbers first.
Yield, gearing, LMI, depreciation, settlement costs, FHB concessions and borrowing power — all in one place.
Investors now take 40% of every new housing dollar.
That is $41.5bn of a record $103.0bn lent for housing in a single quarter — and investor lending is growing faster than any other part of the market. Whether you buy to live in or to let, the numbers decide it, so it is worth modelling your rental yield, whether negative gearing changes the after-tax maths, what depreciation quietly adds back, and how much you can really borrow under the serviceability buffer. First-home buyers can check their concessions, and anyone with a deposit under 20% should price in LMI and the full settlement costs before committing.
How Australians hold their homes
Two in three occupied homes are owned — about a third of them outright, the rest still carrying a mortgage. The remaining 30.6% are rented, a share that has crept up over successive Censuses.
All Property calculators
9 calculatorsRental Yield Calculator
Calculate gross and net yield on your investment property.
Borrowing Power Calculator
Estimate your borrowing capacity based on income and expenses.
Negative Gearing Calculator
Calculate the annual tax benefit of a negatively geared property.
First Home Buyer Calculator
FHOG amounts and stamp duty concessions for all 8 states.
Property Depreciation Calculator
Estimate Div 40 and Div 43 depreciation deductions.
LMI Calculator
Calculate lenders mortgage insurance at different LVR levels.
Settlement Costs Calculator
Calculate all upfront buying costs including stamp duty and conveyancing.
Foreign Buyer Surcharge Calculator
Calculate the surcharge on property purchases by foreign buyers.
Renovation ROI Calculator
Calculate the return on a property renovation.
Australian Property Calculators — 2026–27
Property remains Australia's most significant asset class. Whether you are buying your first home, assessing an investment property, or managing a portfolio, understanding the true numbers behind a property decision — yield, tax implications, upfront costs, and financing — is essential. AusCalcs's property calculators cover every stage of the property lifecycle with 2026–27 rates and thresholds.
Buying Costs and Financing
The upfront cost of buying a property is almost always higher than the purchase price suggests. The Settlement Costs Calculator totals stamp duty, conveyancing, building inspections, and loan establishment fees. If your deposit is below 20% of the purchase price, you will likely pay Lenders Mortgage Insurance — the LMI Calculator estimates this cost at various LVR levels. First home buyers should use the First Home Buyer Calculator to check FHOG entitlements and stamp duty concessions in their state.
Investment Property Analysis
Gross yield tells you the income return before expenses; net yield tells you the true return. The Rental Yield Calculator calculates both. Many investment properties in Australian capital cities are negatively geared — that is, the rental income does not cover the mortgage and running costs. The Negative Gearing Calculator quantifies the annual tax benefit of this strategy at your marginal tax rate. Property investors can also claim depreciation on the building structure (Division 43) and the removable assets inside it (Division 40) — the Property Depreciation Calculator provides an estimate of annual deductions.
Foreign Buyers
Non-resident and foreign purchasers are subject to additional stamp duty surcharges in most states, ranging from 7% in Victoria to 8% in New South Wales. The Foreign Buyer Surcharge Calculator applies the correct surcharge rate for each state so buyers know their total duty obligation before committing to a purchase.