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Run the Numbers
Before You Buy

Free, accurate property calculators for Australian buyers. From stamp duty and mortgage repayments to investment cash flow and rental yield.

Stamp Duty Calculator

Calculate transfer duty across all Australian states and territories, including first home buyer concessions and foreign buyer surcharges.

Standard Stamp Duty
$--
Total Duty Payable
$--
Estimates only. Stamp duty varies by state, property type, and concession eligibility. Consult a conveyancer or solicitor for definitive calculations.

Mortgage Repayment Calculator

Calculate monthly repayments, total interest payable, and see how extra repayments shorten your loan term.

6.5%
30 yrs
Monthly Repayment
$--
Annual Repayments
$--
Total Interest Payable
$--
Total Repayments
$--
Results are estimates based on the inputs provided. Actual rates and repayments will vary. Consult a mortgage broker for personalised advice.

Investment Cash Flow Calculator

Analyse the income, expenses, and net cash flow of an investment property. Includes depreciation and tax benefit estimates.

Income
Annual Expenses
Gross Annual Rent
$--
Total Annual Expenses
$--
Net Annual Cash Flow
$--
Gross Rental Yield
--%
Tip: Enter your loan's interest-only annual repayment above to see true cash-on-cash returns. For a full investment analysis, book a free strategy session with RICO.
Results are estimates only. Tax impacts vary by individual circumstances. Consult a tax accountant for definitive advice.

Borrowing Power Calculator

Estimate how much you can borrow based on your income, expenses, and deposit. Lender-aligned calculations.

Estimated Borrowing Capacity
$--
Based on inputs at assessment rate +3%
Maximum Purchase Price
$--
Monthly Repayment
$--
LVR
--%
LMI may apply above 80% LVR
Lenders apply different assessment rates, expense shading, and credit policies. This estimate uses a standard assessment rate buffer. Consult a mortgage broker for accurate pre-approval figures. Borrowing power does not constitute financial advice.

Rental Yield Calculator

Calculate gross and net rental yields, price-to-rent ratio, and return on equity for any investment property.

Include rates, insurance, PM fees, repairs
Gross Rental Yield
--%
Net Rental Yield
--%
Price to Rent Ratio
--x
Lower = better relative yield
Annual Gross Rent
$--
Annual Net Cash Flow
$--
Yield calculations are pre-tax estimates. Actual returns depend on occupancy, actual expenses, and financing costs. Consult a financial advisor for a comprehensive investment assessment.

Total Buying Costs Calculator

Get a complete breakdown of all costs involved in purchasing an Australian property. No surprises.

Total Purchase Cost
$--
Upfront cost estimates only. Ongoing costs (rates, insurance, PM fees) are not included. Always budget an additional 2–3% buffer for unforeseen costs.

Not sure what to do with these numbers?

Book a free 30-minute strategy session and RICO will interpret your numbers, recommend optimal suburbs, and map out your property investment strategy.

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