Enter a purchase price, a rent, and a state, and see what it actually costs to settle and what the numbers look like over your selected 10, 20 or 30-year period: deposit, stamp duty, cashflow, growth and return, all in one place.
The Barnard Group

Property Investment Planner

See how an investment property could perform over 10, 20 or 30 years before you buy.

✓Flexible forecast period
Choose 10, 20 or 30 years
◆Australian focused
Built for Australian investors
▦
Cash Flow
See your weekly and annual cash flow
▤
Tax Benefits
Estimate negative gearing and tax savings
◔
Equity Growth
Track projected equity over your chosen timeframe
▥
Wealth Projection
See the long-term numbers in one place
⚖
Compare Scenarios
Adjust assumptions and test different outcomes
Enter your property details below to model cash flow, tax benefits, equity growth and long-term returns.
01

The Property

$
$
%
weekly rent, or gross yield. Enter either field
Updates the results summary, chart and projection table
02

Your Finance

%
—
%
yrs
yrs
Reverts to P&I over the remaining term after this
$
03

Upfront Costs

One line per cost. Stamp duty, title transfer and mortgage registration are estimated automatically.

$
Solicitor or conveyancer's professional fee
$
$
Rates, water & insurance proration
$
Estimated for the selected state, editable. Reset to estimate
$
Titles registry lodgement fee. Reset to estimate
$
Titles registry fee to register your loan. Reset to estimate
$
%
Single fee, inclusive of GST. Enter either field
04

Ongoing Costs & Assumptions

%
wks
of the year, incl. tenant changeovers. Enter either field
%
of rental income
$
per year
$
0.45% of purchase price, per year. Editable. Reset to estimate
$
per year, if applicable
$
per year
%
per year
%
per year
%
Average annual growth applied across the selected forecast period. Open Advanced below to set a different rate for each of years 1–10.
Advanced: land tax, deductions & year-by-year growth (years 1–10)
$
per year, if applicable
$
Applied as the same flat amount in every projection year, reduces taxable income only. Not a cash saving itself; real depreciation typically declines over time
05

Tax Position

In any year the property's taxable rental income (rent minus interest, expenses and depreciation, not principal repayments) runs negative, this estimates the resulting tax refund.

Where taxable rental income is negative in a given year, an estimated tax benefit is calculated using the marginal tax rate entered
%
incl. Medicare levy, if applicable
06

Cash Required to Settle

07

Performance at a Glance

08

Growth, 20 Years

Property Value, Loan Balance & Equity

09

20-Year Projection

Want help turning these numbers into a strategy?

Book a strategy consultation and build a plan around your long-term goals.

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Why use this planner?

Most online calculators only show a mortgage repayment. This planner gives you a broader picture of what it may cost to buy, hold and grow an investment property.
Deposit required
Holding costs
Tax benefits
Stamp duty
Rental income
Equity growth
Loan repayments
Negative gearing
10, 20 or 30-year projection
It is based on the same numbers-first framework we use when helping clients build an investment strategy.