About Investment Property Calculator

The project

The residential and commercial calculators show income, costs and repayments line by line. Current value and loan balance provide an equity and capital growth snapshot. The tool does not provide personal income tax calculations, future growth forecasts or investment recommendations.

Who built it

Built by Mo Zaatar (LinkedIn). The site does not claim independent professional certification of its calculations.

Your scenario data

The calculation runs in your browser, with no account or saved-property database. Scenario figures are included in shareable URLs and may appear in browser history, hosting request logs and services where you share the link. Commercial tenant names are excluded from those URLs. Google Analytics measures page views and share-button use; the scenario figures in the URL are stripped before anything is sent to it. Advertising is described below.

Corrections and feedback

Email info@raffina.com.au with the calculation, inputs and expected result. Use an example scenario rather than personal or tenant information. Rate-table sources and outstanding verification limitations are published on the methodology page.

Advertising and cookies

The site is free and is funded by Google AdSense advertisements, which are always labelled “Advertisement” and kept away from inputs and results. Google and its partners may use cookies or device identifiers to show and measure ads; see how Google uses data from sites that use its services. Advertisers never influence rates, formulas or results. The calculator itself sets no cookies and sends your scenario figures to no one; they live only in the page URL.

Disclaimer: not financial or property advice

This website is a calculator. It provides general information and estimates based on the figures you enter and on published government rate tables. It does not take into account your objectives, financial situation or needs.

Nothing on this site is financial product advice, tax advice, legal advice, property or investment advice, or a recommendation to buy, sell or hold any property. The author is not a licensed financial adviser, tax agent, conveyancer or real estate agent, and no adviser-client relationship is created by using the site.

Stamp duty, land tax and other figures are estimates. Rates change, concessions and surcharges may apply to your circumstances, and the issuing state or territory revenue office is the only authoritative source. Confirm every figure with the relevant authority and with a licensed professional before making any decision.

Past yields and assumed growth rates are not indicators of future performance. Property values, rents and interest rates can fall as well as rise. You use this site at your own risk and the author accepts no liability for any loss arising from reliance on it, to the extent permitted by law.