Smart Property Analysis Tools
Choose a calculator for the question you are trying to answer, then review the assumptions before relying on the result. These Australian property tools help investors and professional partners compare scenarios and prepare for a conversation with an adviser. They provide estimates, not personalised tax, lending or valuation advice.
Choose the right property calculator
Tax depreciation calculator
Explore potential capital works deductions and supported plant and equipment eligibility for residential or commercial investment property. Start with property category, construction age, internal floor area and location. Distinguish a full-year illustration from an actual first-year claim, and check whether the result includes Division 40 or only Division 43. The estimate is not a professional depreciation schedule.
Capital gains tax calculator
Compare property-sale scenarios using acquisition and disposal information, relevant costs and ownership circumstances. A selling price alone does not establish a taxable gain. Use the tool to organise questions about cost-base evidence, improvements and the effect of past capital works deductions. Tax treatment and any legislative changes should be checked with your adviser before you make a sale decision.
Return on investment calculator
Look at how rent, borrowing costs, expenses and growth assumptions affect an investment scenario. Comparing alternatives can be more useful than treating a single projected return as a forecast. Test a lower rent or higher expense assumption and keep expected capital growth separate from income already received. An estimated return does not promise a future sale price or investment performance.
Stamp duty calculator
Estimate transfer duty as part of a property-purchase budget. Select the relevant jurisdiction and consider whether concessions or buyer-specific treatment may apply. Contract dates, ownership structure and eligibility details can change the amount payable. Confirm the final liability with the relevant state or territory revenue office or your conveyancer rather than relying on an indicative result at settlement.
Loan repayment calculator
Compare repayment scenarios using the loan amount, interest and term. Consider the difference between interest-only and principal-and-interest payments where supported. A repayment illustration is not a lending offer or approval, and may not include every fee. Ask your lender about actual pricing, repayment changes and what happens when an interest-only period ends.
Equity unlock calculator
Explore a potential equity scenario using property value and existing borrowing. Equity on paper is different from money a lender will make available. Serviceability, lender policy, valuation and transaction costs still matter. Use the output as a starting point for a broker discussion, not as confirmation that you can finance another property.
Rental yield calculator
Compare rental income with a property's value and holding expenses. Gross yield is different from the return left after expenses, and neither is a forecast of capital growth. Check how vacancy and ongoing costs affect the scenario. Tax deductions and cash flow require separate consideration; an indicative depreciation figure is not a confirmed refund.
Construction cost calculator
Prepare an indicative construction budget from project details rather than equating the market value of a finished property with its build cost. Scope, location and quality affect the scenario. The result is not a builder's quotation, insurance valuation or tender assessment. For a specific project, organise plans and scope information before requesting professional quantity surveying advice.
Using estimates responsibly
Keep a record of the inputs you used so comparisons remain meaningful. Check whether amounts are annual, monthly or projected, and do not transfer a deduction from one tool into another without confirming eligibility. If your circumstances involve mixed use, incomplete records or a change in ownership, ask for advice rather than filling unknown facts with guesses. For property-specific evidence, explore Koste's report services or call 1300 669 400.
Explore Koste reports or call 1300 669 400.
Related from Knowledge
Clear answers to common property, construction and tax depreciation questions.