Investment Property Calculator

Overview

This calculator suite helps you make informed property investment decisions by analyzing different aspects of property investment.

1. Income & Tax Analysis

• When to use: Start here to input your income and see your tax position
• What it shows: After-tax income, tax payable, and effective tax rate
• Save feature: Save your income details securely for future sessions

2. Cash Flow & Asset Analysis

• When to use: To understand your current financial position
• What it shows: Monthly disposable income, total assets, and projected savings
• Key features: Tracks both liquid (savings) and fixed assets

3. Asset Projection

• When to use: To visualize your wealth growth over time
• What it shows: Year-by-year projection of your assets with and without property investment
• Visual aid: Bar chart showing the split between liquid and fixed assets

4. Investment Property Analysis

• When to use: When evaluating a specific investment property
• What it shows: Complete ROI analysis, including:
• - Tax benefits from negative gearing
• - Capital growth projections
• - Cash flow analysis
• - Transaction costs breakdown

5. Home Upgrade Analysis

• When to use: When considering upgrading your primary residence
• What it shows: Financial impact of upgrading, including:
• - Change in monthly payments
• - Total transaction costs
• - Required mortgage calculations

Tips for Use

• Use the save buttons to store your data securely for future sessions
• Hover over the ⓘ icons for detailed explanations of each field
• All calculations update automatically as you input values
• Use the 'M' notation for millions (e.g., 1.5M = 1,500,000)