Property calculators for Australian leases, investors and renters
21 straightforward calculators covering commercial rent, investment returns, stamp duty, land tax and more.
- 2026–27 stamp duty and land tax for every state
- Live RBA cash rate and current ATO tax rates
- Commercial lease maths: CPI reviews, incentives, turnover rent
Commercial leasing
6 calculatorsRent, reviews and lease terms for offices, shops and industrial space.
- Commercial Rent CalculatorNet or gross rent with outgoings, GST and reviews, and the gross or net equivalent.
- CPI Rent ReviewApply the latest ABS CPI figures to a rent review.
- Lease Comparison & Effective RentNet effective rent after rent-free months and fitout, for one or two offers.
- Rent per Square MetreConvert total rent to a $/m² rate and back.
- Retail Turnover RentPercentage rent payable above a sales threshold.
- Occupancy Cost RatioRent as a share of sales, with healthy ranges.
Renters
2 calculatorsEveryday tools for tenants.
Pay and salary
1 calculatorTake-home pay under current tax rates.
Property investment
8 calculatorsCash flow, yield, finance and long-term returns.
- Investment PropertyCash flow, yield and negative gearing, as a quick estimate or a detailed model.
- Commercial InvestmentNet income, yield, cash-on-cash return and debt cover for a commercial asset.
- Yield & ValuationValue a property from net income and a cap rate.
- Debt & FinanceP&I vs interest-only repayments, with an offset account.
- Borrowing PowerHow much you can borrow, tested at your rate plus the 3% buffer.
- RBA Cash RateWhat the latest cash rate move means for your mortgage.
- Portfolio SummaryCombine saved properties into one portfolio view.
- Property FIREWhen your portfolio could fund early retirement.
Tax and buying costs
4 calculatorsDuty, land tax, depreciation and capital gains.
Articles
All articlesWhat the latest rate rise, tax changes and lease terms mean for you.
- Negative gearing, CGT and trust changesTreasurer Jim Chalmers' 2026 Budget limited negative gearing, replaced the 50% CGT discount and proposed a minimum tax on trusts. What is law, what is still before parliament, and what it means if you own or plan to buy.
- Cost of living in 2026Inflation is back above 4%, electricity is up almost 13% now rebates have ended, and the RBA has raised rates five times in a year. Where the pressure is coming from, and the relief announced by the Albanese government.
- RBA rate rise and your mortgageThe cash rate is now 4.85% after the fifth rise in 12 months. What that adds to repayments by loan size, what a basis point costs, and when the RBA meets next.
- Stamp duty on investment propertyInvestors don't get first home buyer or owner-occupier concessions, so duty is a big upfront cost. What a $600,000 and $900,000 purchase costs in each state.
- Land tax thresholds by stateEach state sets its own land tax threshold and rates, and the gap is wide. The 2026–27 thresholds, and what $800,000 and $1.5 million of land costs each year.
- 2026–27 tax rates and take-home payThe 16% bracket became 15% on 1 July 2026. The new brackets, what the cut is worth at every salary (at most $268 a year), and take-home pay from $40,000 to $200,000.
- HECS-HELP repayments 2026–27Since 2025–26, compulsory HELP repayments are charged only on income above the threshold. The 2026–27 rates, worked examples, and what changed from 2024–25.
- How to calculate commercial lease ratesStep by step, with a worked example.
- How CPI rent reviews workWhat the clause means and how the maths works.
- Gross vs net leasesWho pays outgoings under each lease type.
- Lease incentives explainedRent-free periods vs fitout contributions.