Five calculators built inside a working buyers agency. Rent-versus-buy laid out honestly, real after-tax cashflow on the 2027 rules, a portfolio simulator with equity recycling, and the two tax reform calculators you'll actually need before 1 July 2027. Pick one below.
Compare renting where you actually want to live and investing the borrowing power behind you, against buying your own home, over 5 to 30 years. Uses your full capacity - not a two-property toy - with both growth rates equal by default so the structure, not the assumption, is what's being tested.
Open the rentvesting calculator →Real weekly cashflow after tax: rent in, interest and holding costs out, on 2026-27 marginal brackets and the correct 2027 negative gearing treatment for established, new build and grandfathered property. Tells you what you actually pay to hold a place, per week.
Open the property cashflow calculator →One deposit in, then equity recycling: each time the portfolio builds usable equity - 80% of value minus debt - the next purchase funds itself. Compares the 15 to 30 year curve against leaving the same money in shares, and shows when a property lands.
Open the portfolio simulator →From 1 July 2027, losses on established rentals bought after 12 May 2026 stop offsetting wages - they carry forward instead. Models your after-tax position under the old and new rules, side by side, so you can see whether your deal still stacks up.
Open the negative gearing calculator →The 50% CGT discount is replaced from 1 July 2027 with cost-base indexation and a 30% minimum rate on net gains. Gains accrued before that date keep the old discount. Model a sale under both systems and see what a July purchase versus a June purchase actually costs.
Open the CGT indexation calculator →Pick a suburb, enter your numbers, and see the estimated monthly cost alongside the 6-point Alaya scorecard. Suburb scores are illustrative sample data; monthly cost estimates owners corporation, council rates, water and 7% management on an interest-only basis.
Open the apartment scorecard →