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property investment
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Pop in the numbers on a property you’re eyeing and get a live 10-year view of cash flow, equity and tax impact — before you sign anything. From Penny, the home of really, really good finance.

The deal

Purchase price and total cash you're putting in.

Your total upfront cash, including deposit, stamp duty and all purchase costs.

Fine-tune purchase costs

Get exact stamp duty with Penny's calculator →

Rent & running costs

What it earns and what it burns, per year.

Fine-tune annual expenses

Estimate depreciation with BMT →

You & the future

Ownership split and growth assumptions.

Fine-tune assumptions
The verdict · live
cash flow per week, year 1
equity in the property by year 10
total net wealth added over 10 years
Starting LVR
Gross yield yr 1
Loan repayment / mth
Loan amount

Equity snowball

Property value vs loan — the gap is yours.

Weekly cash flow

Out of pocket (crimson) vs money back (teal).

Who really pays for this property?

Yearly cash cost split between the tenant and you.
Year 1
Year 10
Tenant (rent) You

Deal vitals

The numbers a broker squints at first.
Cashflow break-even
Net yield, year 1
Yield on debt, year 1
Equity ÷ cash in, year 10
Usable equity @ 90%, yr 10

The full 10-year breakdown

Year by year: value, equity, rent, deductions and cash flow — the same engine our brokers use to pressure-test a deal.

Unlock the full breakdown

Pop your details in and we'll reveal the year-by-year table and email you the full report — plus the spreadsheet edition to keep.

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Penny Finance · REALLY, REALLY GOOD FINANCE · pennyfinance.com.au

This analyser provides general estimates for education only. It is not financial, credit, tax or investment advice, and projections are not guarantees of future performance. Calculations use FY2025–26 Australian resident tax rates (including the Medicare levy where selected), assume rates and assumptions stay constant, and ignore factors specific to your situation. Always seek advice from a licensed professional before acting. © 2026 Penny Finance. Read the full Disclaimer. © 2026 Penny Finance.

Disclaimer

This analyser provides general estimates for educational purposes only. It does not constitute financial, credit, tax or investment advice, and the projections shown are not guarantees of future performance.

Key assumptions and limitations:

  • Calculations use FY2025–26 Australian resident tax rates, including the Low Income Tax Offset (LITO) and Medicare levy where selected.
  • Interest rates, rental growth, capital growth, inflation and all other assumptions are held constant over the 10-year projection period. In reality, these will change.
  • The model assumes interest-only or principal & interest repayments on the full loan amount for the entire period. It does not account for offset accounts, redraw facilities or rate changes.
  • Tax calculations are simplified. They do not account for capital gains tax on sale, the 50% CGT discount, negative gearing interaction with other investments, HECS/HELP repayment obligations, private health insurance surcharges, or any other personal tax circumstances.
  • Depreciation is estimated using a straight-line diminishing method and is not a substitute for a qualified quantity surveyor’s report.
  • Stamp duty, legal costs, loan costs and other purchase expenses are user-entered estimates. Actual amounts vary by state, property type and lender.
  • Rental income projections do not account for tenant default, unexpected vacancy, or property damage.
  • The analyser does not consider body corporate special levies, capital works, renovation costs, or changes in land tax thresholds.
  • Results should not be relied upon for making financial decisions. Always seek personalised advice from a licensed financial adviser, mortgage broker, or tax professional before acting.

© 2026 Penny Finance. All rights reserved.