Handle Properties

Target Property
Investment Calculator

Model the full 20-year picture — cashflow, capital growth, loan paydown and net sale proceeds. Adjust any assumption and results update instantly.

21.82% Avg capital growth CY25

59% Purchased off-market

$27k Avg discount to bank value

Free · No obligation · 5 spots/month

Property acquisition

Purchase price

Deposit (%)0% for refinance

Land value ($)

Starting rental yield (% p.a.)Gross yield on purchase price

State

Loan details

IO rate (%)

P&I rate (%)

Loan structure

Loan term (years)

Marginal tax rate (%)

Growth & expenses

Yr 1–3 growth (%)

Yr 4+ growth (%)

Rent growth (% p.a.)

Expense growth (% p.a.)

Mgmt fee (% of rent)

Water rates

Council rates

General repairs

Insurance

Depreciation (yr 1)New builds only

Toggles

Negative gearing

Apply tax refund on losses (cashflow table)

CGT method (cashflow table)

50% discount (current rules)

CPI rate for indexation (% p.a.)

Monthly loan paydown

Extra savings reduce your loan balance each year

When to sell?

Selling costs = 3% of sale price. Both policy scenarios always shown side by side — column labels reflect your current toggle settings.

Acquisition summary

CGT: 50% discount applies if held 12+ months. Capital gain taxed at your marginal rate on 50% of the gain.

Target PropertyInvestment Calculator