Property Investment Calculators | Capstone Property Group

Retirement Income Planner

How many properties do you need to retire on passive rental income?

Calculator 1 of 4

Target Retirement Income (p.a.)

$100,000

Current Age

Target Retirement Age

Average Property Value

$700,000

Average Gross Rental Yield

5.5%

Property Manager Cost

Annual Capital Growth Rate

Properties needed

—

to hit target income

Net passive income

—

per year at retirement

Total portfolio value

—

at retirement age

Years to retirement

—

remaining

Net yield on portfolio

—

after management costs

Weekly passive income

—

at retirement

Strategy Insight

Adjust the sliders to model your personalised retirement strategy.

20-Year Property Multiplier Effect

Watch compound growth turn one property into a life-changing portfolio

Calculator 2 of 4

Initial Property Value

$700,000

Annual Capital Growth Rate

Gross Rental Yield

5.5%

Initial Deposit (LVR)

20%

Mortgage Interest Rate

6.2%

Number of Properties

Annual Holding Costs (% of value)

1.2%

Portfolio value — year 20

—

Total equity built

—

after loan repayments

Year 20 rental income

—

per year (gross)

Portfolio Value

Equity

Rental Income (ann.)

Year	Portfolio Value	Total Equity	Annual Rent	Cash on Cash

Property Cashflow Analyser

Full income vs expenses breakdown — is this property positively or negatively geared?

Calculator 3 of 4

Income

Weekly Rent

$650/wk

Annual Occupancy Rate

96%

Expenses

Loan Amount

$600,000

Interest Rate (p.a.)

6.2%

Property Management Fee

Council Rates (p.a.)

$1,800

Water Rates (p.a.)

$900

Insurance (p.a.)

$1,500

Maintenance & Repairs (p.a.)

$2,500

Strata / Body Corporate (p.a.)

Depreciation (p.a.)

$5,000

Marginal Tax Rate

37%

Gearing status

—

Pre-tax cashflow

—

per year

After-tax cashflow

—

per year (net cost/benefit)

Weekly out-of-pocket

—

net cost to hold

Gross rental yield

—

based on assumed property value

Tax benefit / year

—

from negative gearing

Item	Annual	Monthly	Weekly

Borrowing Power Estimator

Estimate your maximum loan amount based on income and expenses

Calculator 4 of 4

Income

Applicant 1 — Gross Income (p.a.)

$120,000

Applicant 2 — Gross Income (p.a.)

$80,000

Rental Income (existing props, p.a.)

Liabilities

Existing Mortgage Repayments (p.m.)

Credit Card Limits (total)

$10,000

Other Loan Repayments (p.m.)

Living Expenses (p.m. estimate)

$3,500

Number of Dependants

Loan

Interest Rate (p.a.)

6.2%

Loan Term

30 yrs

Est. borrowing power

—

maximum loan amount

Property price (80% LVR)

—

with 20% deposit

Property price (90% LVR)

—

with 10% deposit + LMI

Monthly repayment

—

on full loan amount

Deposit needed (20%)

—

to avoid LMI

Net monthly surplus

—

after all commitments

Lender Assessment Note

This is an estimate based on standard lender assessment rates. Actual borrowing capacity varies by lender. A mortgage broker can run a full assessment across 30+ lenders to find your best outcome.

DDPG

Featured Tool

DDPG Strategy Report

The complete investment strategy tool. Enter your Debt, Deposit and Property Growth numbers — get back a full 6-slide printable pitch deck with charts, projections and a personalised action plan. Share it with your accountant, broker or partner.

Debt position analysis

Deposit & buying power

20-year portfolio projection

Retirement income gap analysis

Printable PDF pitch deck

Open DDPG Report →

Ready to Put These Numbers to Work?

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Property Calculators

Retirement Income Planner

Strategy Insight

20-Year Property Multiplier Effect

Property Cashflow Analyser

Borrowing Power Estimator

Lender Assessment Note

Ready to Put These Numbers to Work?