Basic Investment Property Calculator

Investment Property Calculator How To Use: Enter a value in all the YELLOW cells. Press "F9" key if figures do not change after you change anything. You can change values in LIME cells although they are calculated.

Investment http://www.investmentpropertycalculator.com.au Capital Gain © 2008-2022 Yuquan Shi

Property Costs Funds Assumptions Property Cost Base

Property Price $441,000.00 Total Funds Required $454,618.52 Years 5 Total Property Costs $444,328.52
Solicitors' Fee $1,620.52 Less Deposit $2,000.00 Value Increase 50.00% Add Initial Repairs & Renovations $10,000.00
Stamp Duty = Home Loan Amount $441,000.00 Property Sale Price $661,500.00 Add Total Selling Costs $15,120.52
Land Transfer/Registration Fee $208.00 Loan to Value Ration (LVR) 100.00% = Property Cost Base $469,449.04
Pre-purchase Inspections $1,500.00 Interest Rate 4.54% Selling Costs Less Capital Works Deductions $100,000.00
Other Cost 1 (You can rename) $0.00 Property Agent Commission $13,230.00 = Reduced Cost Base $369,449.04
Other Cost 2 (You can rename) $0.00 Advertising Cost $80.00
Other Cost 3 (You can rename) $0.00 Borrowing Expenses Auction Cost $0.00 Gross Gain
Total Property Costs $444,328.52 Mortgage Registration Fee $90.00 Discharge of Mortgage $90.00 Property Sale Price $661,500.00
Lenders Mortgage Insurance (LMI) $0.00 Settlement Fee $100.00 Less Total Property Costs $444,328.52
Initial Repairs & Renovations Valuation Fee $200.00 Mortgage Exit Fee $0.00 Less Total Selling Costs $15,120.52
Initial Repairs & Renovations $10,000.00 Loan Establishment Fees $0.00 Solicitors' Fee $1,620.52 = Gross Gain $202,050.96
Title Search Fees $0.00 Removalist Cost $0.00
Initial Cash Outlay Other Cost 1 (You can rename) $0.00 Other Cost 1 (You can rename) $0.00
Total Funds Required $454,618.52 Other Cost 2 (You can rename) $0.00 Other Cost 2 (You can rename) $0.00
Less Home Loan Amount $441,000.00 Other Cost 3 (You can rename) $0.00 Other Cost 3 (You can rename) $0.00
= Initial Cash Outlay $13,618.52 Total Borrowing Expenses $290.00 Total Selling Costs $15,120.52

Outgoings/Expenses Outgoings/Expenses Capital Gain Capital Gain Splits

Advertising for Tenants $80.00 Stationery, Telephone & Postage $0.00 Property Sale Price $661,500.00 Taxable Capital Gain 1 (%) 100.00%
Body Corporate Fees/Charges $0.00 Travel Expenses $0.00 Less Reduced Cost Base $369,449.04 Taxable Capital Gain Investor 2 (%) 0.00%
Cleaning $0.00 Water Charges $500.00 = Capital Gain $292,050.96 Taxable Capital Gain Investor 1 ($) $146,025.48
Council Rates $850.00 Sundry Rental Expenses $0.00 Taxable Capital Gain $146,025.48 Taxable Capital Gain Investor 2 ($) $0.00
Gardening/Lawn Mowing $0.00 Other Expenses (You can rename) $0.00
Insurance $350.00 Total Outgoings $25,088.40 Taxable Income (Sold Year) Tax Payable
Interest on Loan(s) $20,021.40 Weekly Outgoings $482.47 Annual Gross Income Investor 1 $168,000.00 Tax Payable Investor 1 $50,587.00
Land Tax $0.00 Annual Gross Income Investor 2 $0.00 Tax Payable Investor 2 $0.00
Legal Expenses $0.00 Property Deductions Add Taxable Capital Gain Investor 1 $146,025.48
Pest Control $0.00 Borrowing Expenses $58.00 Add Taxable Capital Gain Investor 2 $0.00 Average Tax Rate
Property Agent Fees/Commission $1,287.00 Deductions for Decline in Value $12,300.00 = New Assessable Income Investor 1 $314,025.48 Investor 1 30.11%
Repairs and Maintenance $2,000.00 Capital Works Deductions $20,000.00 = New Assessable Income Investor 2 $0.00 Investor 2 N/A

Income Tax Deductions New Tax Payable New Average Tax Rate
Weekly Rental $450.00 Claim Tax Deductions? Yes New Tax Payable Investor 1 $118,258.98 Investor 1 31.96%
Rented Weeks 52 Gross Rent $23,400.00 New Tax Payable Investor 2 $0.00 Investor 2 N/A
Annual Rental $23,400.00 Less Total Outgoings $25,088.40 Annual Tax Increase $67,671.98
Gross Rental Yield 5.31% = Before Tax Cashflow -$1,688.40
Net Rental Yield 4.16% Less Borrowing Expenses $58.00 True Profit
Net Rental Yield (after Interest) -0.38% Less Deductions for Decline in Value $12,300.00 Gross Gain $202,050.96
Other Rental Related Income Less Capital Works Deductions $20,000.00 Less Annual Tax Increase $67,671.98
Gross Rent $23,400.00 = Total Deductions -$34,046.40 Add After Tax Net Rental Income $53,663.04
= After Tax Profit $188,042.02
Deductions Splits (%) Deductions Splits ($)
Deductions Investor 1 (%) 100.00% Deductions Investor 1 ($) $34,046.40 ROI on Property Cost Base ROI on Cash Investment
Deductions Investor 2 (%) 0.00% Deductions Investor 2 ($) $0.00 Total Property Costs $444,328.52 = Initial Cash Outlay $13,618.52
Add Initial Repairs & Renovations $10,000.00 Add Total Investment $0.00
Taxable Income (Purchase Year) Tax Payable Add Total Selling Costs $15,120.52 = Cash Investment $13,618.52
Annual Gross Income Investor 1 $135,000.00 Tax Payable Investor 1 $37,717.00 = Property Cost Base $469,449.04 After Tax Profit $188,042.02
Annual Gross Income Investor 2 $0.00 Tax Payable Investor 2 $0.00 After Tax Profit $188,042.02 ROI 1380.78%
Less Deductions Investor 1 $34,046.40 ROI 40.06%
Less Deductions Investor 2 $0.00 Average Tax Rate
= New Assessable Income Investor 1 $100,953.60 Investor 1 27.94%
= New Assessable Income Investor 2 $0.00 Investor 2 N/A

New Tax Payable New Average Tax Rate Assumptions Paid Product *
New Tax Payable Investor 1 $25,295.99 Investor 1 18.74%
* It is assumed the investor has an interest only home
New Tax Payable Investor 2 $0.00 Investor 2 N/A Standard Investment Property Calculator ($34.99)
loan and the interest is deductible for tax purposes.
Annual Tax Savings $12,421.01
Professional Investment Property Calculator ($54.99)
Summary Who Pays (%) Chart * When calculating the tax payables, the tax rates
applicable to Australian residents are used. The 1.5%
Weekly Outgoings $482.47 Medicare levy is included. The calculator does not Ultimate Investment Property Calculator ($129.99)
Less Weekly Tax Savings $238.87 incorporate any factors that might influence the amount of
tax payable, such as Medicare levy surcharge, HECS
Less Weekly Rental Income $450.00 contributions, any rebates, and deductions. Investment Property Record Keep Spreadsheet ($54.99)
= Total Weekly Investment -$206.40 34.68%
Total Annual Investment -$10,732.61 Normal vs NRAS Investment Property Calculator (64.99)
Taxman * The discount method is used to calculate capital gain
tax if you hold the property for at least 12 months. The
Who Pays (%) discount percentage is 50%. NRAS Investment Property Calculator ($54.99)
Tenant
Weekly Outgoings 100.00%
65.32%
Taxman 49.51% * All months are assumed to be of equal length. One year Mortgage Acceleration Calculator ($54.99)
Tenant 93.27% ► Investors is assumed to contain exactly 52 weeks or 26 fortnights.
This implicitly assumes that a year has 364 days rather than * The prices indicated herein are as on 7th July, 2012 and are subject to
Investors 0.00% the actual 365 or 366. revision without notice.

© http://www.investmentpropertycalculator.com.au
Tax Rates Assumptions
http://www.investmentpropertycalculator.com.au © 2008-2022 Yuquan Shi

Income Tax
Lower Limit Tax Rate
$18,201 $0.190
$45,001 $0.325
$120,001 $0.370
$180,001 $0.450

Medicare Levy
Lower Threshold Upper Threshold Rate Reduced Rate
$22,801 $28,501 2.0% 10%
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ATO Rental Property Tax Deductions Example
http://www.investmentpropertycalculator.com.au © 2008-2022 Yuquan Shi

Income
Rental income $8,500
Other rental related income $800
Gross rent $9,300

Expenses
Advertising for tenants -$48
Body corporate fees and charges -$500
Borrowing expenses -$259
Cleaning -$100
Council rates -$700
Deductions for decline in value -$796
Gardening/lawn mowing -$350
Insurance -$495
Interest on loan(s) -$11,475
Land tax -$200
Legal expenses -$150
Pest control -$50
Property agent fees/commission -$800
Repairs and maintenance -$1,000
Capital works deductions -$2,745
Stationery, telephone and postage -$80
Travel expenses -$436
Water charges -$350
Sundry rental expenses -$95
Total expenses -$20,629

Net rental income or loss (Tax Deductions) -$11,329

$9,300 - $20,629 = -$11,329

This example is based on ATO tax pack for the year of 2022.