🏠 Rent vs Buy Property Analysis
Data: Q4 2024-25
I'm looking to...
🏠 Buy a Home
📈 Invest in Property
1
2
3
Your Details
Annual Household Income (Gross)
Current Savings / Deposit Available
Current Weekly Rent
Annual Rent Increase Assumption
%
Number of Dependants
0
1
2
3
4+
First Home Buyer?
Yes
No
Preferred Property Type
House
Unit
Investment Return (Rent + Invest)
% p.a.
Mortgage Assumptions
Interest Rate
%
Loan Term (Years)
Additional Buying Costs (Annual, Editable)
Conveyancing (once-off)
Building & Pest (once-off)
Loan Establishment (once-off)
Council Rates / year
Home Insurance / year
Maintenance (% of value / year)
Strata/Body Corp / year (units)
Water Rates / year
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Custom Location
Location Name
State
NSW
VIC
QLD
WA
SA
TAS
ACT
NT
Median House Price
Median Unit Price
Weekly Rent (House)
Weekly Rent (Unit)
5yr Growth Rate (%)
Rental Yield (%)
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📊 Dashboard
📈 Buy vs Rent
🎚️ Sensitivity
💰 Affordability
⚖️ The Verdict
Sort by:
Price (Low→High)
Price (High→Low)
Weekly Rent
Rental Yield
5yr Growth
Deposit Required
Monthly Repayment
Breakeven Year
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Adjust Assumptions
Interest Rate
6.5%
Property Growth
5.5%
Rent Increases
4%
Investment Returns
7%
Breakeven Year Under These Assumptions
Impact Analysis (Tornado Chart)
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📈 Investor Profile
Annual Taxable Income
Marginal Tax Rate
Auto-calculate from income
16% ($18,201–$45,000)
30% ($45,001–$135,000)
37% ($135,001–$190,000)
45% ($190,001+)
Available Deposit / Equity
Existing Investment Properties
0 — First investment
1
2+
Property Type Preference
House
Unit
Either
Investment Horizon
5 years
7 years
10 years
15 years
20 years
25 years
Shares/ETF Return Assumption
% p.a.
Annual Rental Growth Assumption
%
Loan Details
Interest Rate
%
Loan Type
Interest Only
P&I
Interest Only Period
1 year
2 years
3 years
5 years
7 years
10 years
Loan Term (Total)
LVR (Loan-to-Value Ratio)
70%
80%
90% (LMI applies)
Ongoing Costs (Annual, Editable)
Council Rates / year
Landlord Insurance / year
Maintenance (% of value / year)
Strata/Body Corp / year (units)
Water Rates / year
Property Management Fee
% of rent
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📊 City Dashboard
💸 Cash Flow
📈 Total Return
🎚️ Sensitivity
⚖️ Investor Verdict
Sort by:
Gross Yield
Net Yield
Cash Flow
10yr Total Return
Price (Low→High)
After-tax IRR
Neg Gearing Benefit
Select City:
Select City:
Select City:
Adjust Assumptions
Interest Rate
6.5%
Property Growth
5.5%
Rental Growth
4%
Vacancy Rate
2%
Share Market Return
8%
Tax Rate
37%
Property vs Shares Comparison
Sensitivity Tornado — Impact on Property vs Shares Decision
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