⚡ Quick Start?
Currency Symbol
Cash
Risk-Free Rate ?
% p.a.
4.50%
Rate at which surplus cash (not used for rent/mortgage) compounds annually.
Initial Cash ? (optional)
Defaults to down payment + setup cost. Any excess is invested at the risk-free rate.
Budget Annual Increase ?
% p.a.
0.00%
Budget grows from — at this rate each year.
Rent-Then-Buy Scenario
Buy at Year ?
years of renting first
5 yrs
Switch from renting to buying at this year. Property price grows at RPPI until then.
Property
Down Payment ?
% of property price
20%
Down payment = $160,000
Mortgage
Property Growth
Calculate CAGR from Historical Prices
Enter year & price pairs — CAGR will be applied to the House Price Growth slider above.
Costs of Owning
Setup Cost (Stamp Duty, Legal, etc.) ?
One-time cost at purchase (added to initial outlay, not loan).
Ongoing Costs of Owning ?
Council rates, insurance, maintenance, lawn, etc.
Own Ongoing Cost Inflation ?
% p.a.
0.00%
E.g. 3% means council rates and maintenance grow 3% per year.
Rental Payments
Rent Amount ?
Rent = $2,800/mo
Rent Inflation ?
% p.a.
3.00%
Annual rate at which rent grows.
Costs of Renting
Ongoing Costs of Renting ?
Contents insurance, extra costs renters bear (no council rates, no maintenance).
Rent Ongoing Cost Inflation ?
% p.a.
0.00%
E.g. 2% means contents insurance grows 2% per year.