Australian Property Analysis
Total cash available for deposit and investments
Annual expenses excluding housing costs (food, transport, etc.)
Annual percentage increase in living expenses
Gross annual income before tax
Specify a future change in income
Include a second income earner in the calculation
Total amount including property value, stamp duty, legal fees, and all other costs
Percentage of total property outlay paid upfront
Annual interest rate on the mortgage
Duration of the mortgage in years
Annual percentage increase in property value
Annual local government property taxes
Annual fees for apartment/unit owners
Annual water service and usage charges
Annual home and contents insurance
Annual budget for repairs and maintenance
Weekly rent for a comparable property
Annual percentage increase in rental prices
Annual return on investments (combined income and growth)
Percentage of investment returns as capital growth (remainder is income)
Number of years to calculate future values
| Buy | Rent | |
|---|---|---|
| Present Value of Net Cashflows | $0 | $0 |
| Net Worth After 10 Years | $0 | $0 |
Calculating...
Property appreciation rate at which both scenarios have equal terminal net worth.
| Year | Buy Net Worth | Rent Net Worth | Difference |
|---|
Actual Property Value: $0 (from Total Outlay of $0)
The actual property value is calculated by working backwards from the total outlay, accounting for stamp duty, legal fees, and other costs.
| Year | Property | Debt | Other Investments | Net Worth |
|---|
| Year | Property | Debt | Other Investments | Net Worth |
|---|
This selector changes the year shown in the table below. The chart above shows all years.
| Category | Buy Scenario | Rent Scenario | Difference |
|---|---|---|---|
| Income | |||
| Employment Income | $0 | $0 | $0 |
| Investment Income | $0 | $0 | $0 |
| Total Income | $0 | $0 | $0 |
| Expenses | |||
| Mortgage Payment | $0 | $0 | $0 |
| Property Expenses | $0 | $0 | $0 |
| Living Expenses | $0 | $0 | $0 |
| Income Tax | $0 | $0 | $0 |
| Total Expenses | $0 | $0 | $0 |
| Net Cashflow | $0 | $0 | $0 |