Calculators  /  Budget Planner
Calculator 03 of 07

“I can’t afford
to invest.”
Let’s find out.

Enter your income and expenses. The summary shows your real savings rate — and compares it directly to what an investment property actually costs after tax. Most people are closer than they think.

Investment property after-tax cost
< $200 / week
Most investment properties cost less than $200 per week out of pocket after rental income, tax deductions and depreciation. If you are saving $150 or more per month, you may already be there.
Your Property Goal
$
%
years
Income
SourceAmountFrequencyAnnual
Salary / Wages (You)
Salary / Wages (Partner)
Rental Income
Other Income
Total Annual Income
Live Position
Monthly Surplus available to save or invest
Annual Surplus income minus all expenses
Enter your details to see your real savings position.
Expenses
ItemAmountFrequencyAnnual
Rent / Mortgage (PPOR)
Electricity & Gas
Water
Internet & Phone
Council Rates / Strata
ItemAmountFrequencyAnnual
Groceries
Dining Out & Coffee
Takeaway & Delivery
ItemAmountFrequencyAnnual
Car Loan / Lease
Fuel
Car Insurance & Rego
Public Transport
ItemAmountFrequencyAnnual
Private Health Insurance
Life / Income Protection
Gym & Fitness
Medical / Pharmacy
ItemAmountFrequencyAnnual
Streaming Services
Entertainment & Hobbies
Clothing & Personal
Holidays & Travel
Subscriptions & Other
ItemAmountFrequencyAnnual
Personal Loan
Credit Cards (min. repayment)
HECS / Student Debt
Savings Contribution
ItemAmountFrequencyAnnual
Childcare / School Fees
Children's Activities
Other Child Expenses