Rentvesting Calculator Australia
Buy a home or rentvest? See the difference clearly.
Compare the monthly loan and rent figures first. Add purchase costs, tax assumptions and longer-term projections in Detailed planning.
No sign-up required
Quick estimate in one step
Optional detailed planning
Editable rate assumptions
Your rentvesting comparison
Start simple. Add detail when you need it.
Compare monthly loan repayments and rent. No service wait or sign-up.
Step 1 of 4 · Your position
What this calculator includes
Two paths: buying a home to live in versus renting where you live and buying an investment property.
Automatic costs: governed stamp duty, LMI when required, and separate current matching home and investor planning rates.
Fair comparison: cash needed, monthly cost, debt, property equity and major costs that do not come back are compared over the same period.
Quick estimate · loan and rent only
Your monthly comparison
This is a partial cash-flow estimate. Property expenses, vacancy, tax and purchase costs are excluded. It does not identify the better strategy or your borrowing capacity.
Monthly figuresBuy to liveRentvest
Loan repayment——
Rent paid$0—
Gross rent received$0—
Loan before costs——
Base LVR——
Above 80% base LVR: LMI may increase the loan or upfront costs. It is excluded from this estimate.
4
Your comparison
Same assumptions, two different ways to own property.
Scenario result
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Buy to liveRentvest
Cash needed now ——
Typical monthly amount to cover ——
Starting debt ——
Property equity after 10 years——
After-cost position ——
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Your Year 1 monthly breakdown
See where the money goes each month. Investment rent is shown after the vacancy allowance, and the tax line is only an estimate.
Buy to liveMonthly money flow
You cover —
RentvestMonthly money flow
You cover —
Monthly figures are Year 1 averages. Green amounts are money coming in or an estimated tax benefit. Loan repayments include principal where applicable, so they are cash outflow even though some of that money reduces debt.
What if the assumptions change?
Balanced assumptions shown.
Long-term totals and calculation detail
Buy to live
Rentvest
The long-term totals use the selected comparison period. The after-cost position starts with estimated property equity, then subtracts modelled costs that do not come back. For rentvesting, rent paid where you live is included, while investment rent received and the simplified tax effect reduce the net holding cost.
Planning tool only. This is general information, not a property forecast, borrowing-capacity result, lender quote, approval, financial advice or tax advice. Duty, rates and LMI are planning inputs and must be confirmed before acting.
How the comparison works
Both paths use the same growth horizon. The result separates settlement cash, monthly cashflow, debt, equity and non-recoverable costs so a larger property value does not automatically look like the better outcome.
Why can rentvesting look better on equity but worse after costs?
Property equity only looks at the property value less the loan. The after-cost view also allows for money that does not come back, including rent you pay where you live, interest, duty, LMI and other property costs, while allowing for investment rent and the simplified tax effect.
Does this decide which strategy is right for me?
No. It compares two mechanical scenarios. Lifestyle, serviceability, lender policy, risk tolerance, tax circumstances and the properties chosen can change the decision materially.