10 professional-grade calculators covering stamp duty, cash flow, CGT, depreciation, borrowing capacity and more — tailored for the Australian market.
From first-home buyers to seasoned investors — our free calculators cut through complexity.
Calculate stamp duty across all 8 states and territories with first-home buyer concessions.
All StatesModel repayments with offset account scenarios. See exactly how many years and how much interest you save — with a full 30-year amortisation chart.
Offset + ChartsEstimate how much you can borrow based on income, expenses and existing debts.
APRA BufferGross and net rental yield calculator with expense breakdown.
Gross + NetFull annual cash flow with offset account interest reduction, tax benefit from negative gearing, depreciation — plus a 30-year projection chart.
Offset + 30yr ChartCGT calculation with 50% discount for assets held over 12 months.
50% DiscountFHOG grants, stamp duty concessions and FHSS scheme benefits by state.
FHOG + FHSSLoan-to-Value Ratio and estimated Lenders Mortgage Insurance premium.
LVR + LMITotal return on investment including capital growth, rental yield and tax benefits.
Total ReturnEstimate Division 43 building allowance and Division 40 plant & equipment depreciation.
Div 43 + Div 40All calculations use current 2024-25 Australian tax rates and government fees.
Calculate transfer duty across all Australian states and territories, including first home buyer concessions and foreign investor surcharges.
Model your repayments with a full offset account scenario. See exactly how much interest and time you save — with a 30-year amortisation chart.
Estimate your maximum borrowing capacity using APRA's serviceability buffer of 3% above the loan rate.
Calculate gross and net rental yield including council rates, insurance, property management and maintenance costs.
Model full annual investment property cash flow — including offset account reduction of interest, tax refund from negative gearing, depreciation, and after-tax position with a 30-year projection chart.
Estimate CGT payable when selling an investment property, including the 50% CGT discount for assets held over 12 months.
Calculate available government grants, stamp duty concessions and FHSS scheme benefits for first home buyers across Australia.
Calculate your Loan-to-Value Ratio and estimate Lenders Mortgage Insurance premium if your LVR exceeds 80%.
Calculate your total annualised return on investment including projected capital growth, net rental income and tax benefits.
Estimate Division 43 building allowance (2.5% p.a.) and Division 40 plant & equipment depreciation for your investment property.
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PropIQ Australia was built by property investors, financial analysts and tax professionals who were frustrated by the lack of free, accurate, and Australian-specific investment tools available online.
Our mission is simple: give every Australian investor — from first-home buyers to seasoned portfolio owners — access to the same quality analysis tools once reserved for high-net-worth clients of financial advisories.
Our paid reports are powered by AI models trained on Australian property data, tax legislation and macroeconomic indicators — and reviewed by human analysts before delivery.
Data-driven. Tax-smart. Jargon-free. We believe property investment decisions should be made with full information — not gut feel or sales hype.
PropIQ Australia provides general financial information only. Our tools and reports do not constitute personalised financial, tax or legal advice. Always consult licensed professionals before making investment decisions.
ABN: 00 000 000 000 | AFSL General Advice Only