Free Calculator · Before You Sign

Will this property make you wealthy, or bleed you dry?

Before you put down a deposit, see exactly what your next investment property does to your wealth over 10 years. Year-one cashflow after tax. Real AU tax brackets. Rate-hike stress test. Free.

AU 2026 tax bracketsState-aware stamp duty+1% rate stress test
Built by Komay SemoaKS
Built by Komay SemoaDirector · Acquisition Finance
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01

What the calculator actually shows you.

Three numbers your real estate agent won't run
01
Your monthly hold cost , after tax.How much this property actually takes out of your pocket every month, not the gross rental yield the listing brags about. Includes the negative-gearing tax refund.
02
Your 10-year net wealth number.Total wealth gained vs total out-of-pocket over a decade. Our test scenario builds $446k of wealth on $56k out-of-pocket. Plug in your numbers, see yours.
03
Your rate-hike survival test .Rate up 1%. Rent down 10%. Vacancy doubled. Find out if the property survives the worst case, before the worst case finds you.
Built by Komay Semoa
The broker behind the calculator

I built this because most investors find out too late what a property does to their cashflow.

My name is Komay Semoa. I run Acquisition Finance, a mortgage brokerage lodging investment property deals every week across Australia.

The reason most first-time investors get burned isn't the property. It's the maths they never ran before signing. They look at the rental yield, the listing photos, the agent's pitch. Nobody runs the 10-year wealth projection. Nobody stress-tests for the next rate hike.

This calculator runs both, in about 3 minutes, using real AU tax brackets and state-aware stamp duty. You'll know before you sign whether the deal builds your wealth or eats it.

Panel60+ lenders
LodgingAustralia-wide
SpecialtyInvestment property
LicenceLMG · ACL 517192
Already eyeing a specific property

Run the deal past Komay before you sign.

The calculator is a self-serve check. A 15-minute call with Komay gives you a structured opinion on the deal, the right loan product to lodge it under, and your next step in writing. Free, no obligation to lodge.

BrokerKomay Semoa
BrokerageAcquisition Finance
AggregatorLMG · ACL 517192
Mobile0410 543 583