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What could it return?

Buy, hold and sell calculator

Explore a property scenario from purchase through ownership to sale, with the costs and assumptions made visible.

  • Free, no account needed
  • Workings and assumptions shown
  • HtAG data with any plan

Use the free calculator

Buy, hold and sell calculator

The property

Used for the stamp duty and for whether a loss stays deductible against wages from 1 July 2027.

Leave it blank to use stamp duty for an investor plus $3,700 of fees, and lenders mortgage insurance above 80% of the price.

Rent and vacancy
The loan

Money in an offset account linked to this loan. It lowers the interest and is not counted as cash put in.

Your tax

Your income before this property. It is kept the same every year.

The hold and the sale
Change the running costs, depreciation and growth (optional)
Running costs

Leave it blank to use the typical amount for the state and property type.

Leave it blank to use the typical amount for the state and property type.

Leave it blank to use the typical amount for the state and property type.

Leave it blank to use the middle of the typical range.

Leave it blank to use the middle of the typical range.

Leave it blank to use 0.4% of the price for a unit, or $0 for a house.

Leave it blank to use 1% of the price.

Leave it blank for no land tax. The value is on your state valuation notice.

Depreciation
Rent and cost growth

Leave it blank to use the suburb's 5-year rent growth, or 3% a year without a suburb.

Fixed costs such as insurance, council rates and water grow at this rate.

This calculator needs JavaScript. The rates it uses are in the table below.

How it's calculated

Resident income tax rates 2026-27

FromToBase amountRate
$0$18,200$00% of the excess
$18,200$45,000$015% of the excess
$45,000$135,000$4,02030% of the excess
$135,000$190,000$31,02037% of the excess
$190,000and over$51,37045% of the excess

How it’s calculated

The method behind your estimate

How this estimate works

Build a scenario across purchase, annual ownership and sale. Compare the entered cash flows and sale outcome under different growth and cost assumptions.

What to check before you act

Projections are scenarios, not forecasts. Tax eligibility, property condition, future rates and transaction costs need separate verification.

Sources and further guidance

General information only. Check the calculator workings, selected rules date and supported scope. Not financial, credit, tax, legal or valuation advice.

Your next step

Plan the exit

You are on step 1 of 3: Buy, hold and sell

Next: Capital gains tax
  1. Buy, hold and sell
  2. Capital gains tax
  3. Equity and next purchase
  • Step 2 · Next

    What tax will I pay when I sell?

    Capital gains tax

    Tax on the gain when you sell an investment property.

    FreeHtAG data

  • Step 3

    What could my equity buy next?

    Equity and next purchase

    An indicative check of usable equity and your next purchase. Lender policies, valuations and approval requirements vary.

    FreeHtAG data

Continue your research

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Your own figures are free. HtAG data makes them specific.

With any active HtAG plan, this calculator adds HtAG’s projected growth range, rent change and growth cycle for the suburb.

  • 7,000+ suburbs scored
  • 150+ metrics
  • 537 LGA dashboards

FAQ

Questions people ask

Short answers about the method, the rules and what HtAG data adds.

Still have a question? Contact us

Does higher growth guarantee a better investment?

No. Borrowing costs, cash required, sale costs and timing can materially change the result. Test a downside case as well.

Are selling costs included?

The scenario includes the entered selling-cost assumptions. Replace defaults with property-specific quotes.

Is the buy, hold and sell calculator free to use?

Yes. Every HtAG calculator is free to use with your own figures, and you do not need an account. An HtAG plan adds property and suburb data to the calculators that support it.

What does an HtAG plan add to this calculator?

With any active HtAG plan, this calculator adds HtAG’s projected growth range, rent change and growth cycle for the suburb. Filled figures are marked and you can overwrite every one.