How much can I actually borrow? Can I afford an investment property on my income? What is waiting another year really costing me? These tools answer those questions — with your numbers, not averages. Free. No login. No obligation. Start with whichever question is keeping you up at night.
Calculate your exact repayments for any loan amount, interest rate and term. Compare Principal & Interest vs Interest Only structures. See total interest paid and the full loan balance chart over time.
Estimate how much you can borrow based on your income, expenses and existing commitments. Applies the APRA 3% assessment buffer. Shows your monthly income breakdown and total purchase power with a 20% deposit.
Map your complete financial picture — income from all sources and every expense category — to find your true annual surplus. Your surplus is your investment capacity. Know it before your strategy session.
Model a portfolio of up to 10 properties acquired across different years. See the entire portfolio compound over 40 years — stacked by property, with total value, equity and rental income charted year by year.
The most important calculator on this page. See exactly what delaying your purchase costs in missed growth, forfeited rent and higher entry price — per day, per week, per month. The numbers are confronting. They should be.
Disclaimer: All calculators provide estimates for general educational purposes only. Results do not constitute financial, tax or investment advice. Always consult a qualified financial adviser and mortgage broker before making investment decisions. © 2025 Strategic Portfolio Partners Pty Ltd.