Try Cashflow Calculator
Property Investment Decision Tool

See the real cashflow impact of your property investments

Model income, expenses, tax, and borrowing capacity before you buy.

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Try our Free Cashflow Calculator - No signup required

Remove the Guesswork from Property Investing

See true after-tax cashflow per property

Understand how each purchase affects future borrowing

Compare scenarios when rates, rent, or expenses change

Make suburb choices using consistent data, not hype

Everything You Need to Build Your Portfolio

Systematic, data-driven tools for confident property investment decisions

Analysis
Cashflow & Budget

Understand Your True Returns

  • Calculate cashflow before/after tax
  • Track acquisition costs and expenses
  • Model rental yield scenarios
  • Household budget for serviceability
Strategy
Portfolio Strategy

Map Your Path to Financial Freedom

  • Model complete portfolio timeline
  • Test different capital growth scenarios
  • See when properties become debt-free
  • Calculate passive income projections
Research
Suburb Analysis

Identify Investment-Grade Suburbs

  • 27-factor evaluation framework
  • Analyze supply and demand dynamics
  • Track infrastructure and growth indicators
  • Compare suburbs side-by-side
Try It Now - No Signup Required

Experience All Our Investment Tools

Model multiple properties, adjust assumptions, and instantly see the impact on your timeline and cashflow.

Switch between tabs to explore how the tools work together.

Property Portfolio Planner

Plan your journey to financial freedom

Freedom Year

Year 2045

2045 years from now

Projected Portfolio Value

$4,703,601

From $1,170,000

Total Cash from Sales

$0

After CGT

Loans After Sales

$936,000

Remaining debt on kept properties

Passive Income at Freedom

$188,144

Pre-tax annual

Debt-Free Test

Not Cleared

Increase year or sell more

Model Settings

Growth Assumptions

2045

The future year to model (from Year 0)

2045 years from now

7%

Compounding Annual Growth Rate for property values

+1% growth adds ~$992K by Year 2045

Income Assumptions

4%

Net rental income after expenses (% of property value)

Each 1% yield ≈ $47K p.a.

Loan Assumptions

6.00%

Annual interest rate for Principal & Interest loan calculations

Tax Assumptions

33%

Your marginal tax rate for CGT calculations

Your Assets

At Freedom Year (4071) • Held for 21 years

Projected Value

$2,691,366

Loan Balance

$520,000

Your Equity

$2,171,366

Future LVR: 19.3%

At Freedom Year (4071) • Held for 20 years

Projected Value

$2,012,236

Loan Balance

$416,000

Your Equity

$1,596,236

Future LVR: 20.7%

Demo Mode

Sign up to add your own data and save your work

Get Started Free
1

Freedom Year Planner

Model your path to debt-free passive income

2

Suburb Analysis

27-factor framework to identify growth areas

3

Portfolio Budget

Track cashflow and equity across properties

4

Household Budget

Understand your investment capacity

Get Started in Minutes

1

Add your properties

Enter purchase prices, deposits, and rental income for each property.

2

Adjust assumptions and expenses

Set growth rates, interest rates, and ongoing costs.

3

See your cashflow and purchase timeline

View when properties become debt-free and your passive income grows.

Ready to Build Your Path to Financial Freedom?

Start planning your property strategy today.
No credit card required.

Educational tool • Not financial advice
Built by property investors, for practical decision-making.