Property & Investment Calculators
Calculate first home buyer grants, rental yield, negative gearing tax benefits and land tax for Australian investment properties.
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First Home Buyer Calculator
Calculate grants, stamp duty exemptions and savings schemes available to first home buyers in each state.
Rent vs Buy Calculator
2025-26Should you rent or buy in Australia? Compare the total cost of renting versus buying a home over 5-10 years including equity, opportunity cost, and stamp duty.
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Rental Yield Calculator
Calculate gross and net rental yield for investment properties. Includes common expenses and vacancy rates.
Negative Gearing Calculator
Calculate the tax benefit of negative gearing an investment property. Includes depreciation and all deductible expenses.
Land Tax Calculator
Calculate land tax for each Australian state and territory based on your land value and ownership type.
NSW First Home Buyer Calculator
Calculate first home buyer benefits in NSW including $10,000 FHOG for new homes, stamp duty exemption up to $800,000, and shared equity schemes.
VIC First Home Buyer Calculator
Calculate first home buyer benefits in Victoria including $10,000 FHOG, stamp duty exemption up to $600,000, and concessions to $750,000.
QLD First Home Buyer Calculator
Calculate first home buyer benefits in Queensland including $30,000 FHOG for new homes and stamp duty concession up to $700,000.
WA First Home Buyer Calculator
Calculate first home buyer benefits in Western Australia including $10,000 FHOG, stamp duty exemption up to $430,000, and Keystart loans.
SA First Home Buyer Calculator
Calculate first home buyer benefits in South Australia including $15,000 FHOG for new homes. SA has no stamp duty exemption for first home buyers.
TAS First Home Buyer Calculator
Calculate first home buyer benefits in Tasmania including $30,000 FHOG for new homes and 50% stamp duty discount on existing homes up to $750,000.
ACT First Home Buyer Calculator
Calculate first home buyer benefits in the ACT including $7,000 FHOG and full stamp duty exemption up to $1,000,000 — the most generous in Australia.
NT First Home Buyer Calculator
Calculate first home buyer benefits in the Northern Territory including $10,000 FHOG and stamp duty concessions for homes up to $650,000.
NSW Land Tax Calculator
Calculate land tax in NSW. Tax-free threshold is $1,075,000 for general rate and $6,571,000 for premium rate. Investment properties only.
VIC Land Tax Calculator
Calculate land tax in Victoria. General threshold is just $50,000 — the lowest in Australia. Includes the temporary COVID debt surcharge (2024-2033). Absentee owner surcharge is 4%.
QLD Land Tax Calculator
Calculate land tax in Queensland. Tax-free threshold is $600,000 for individuals. QLD now includes interstate land holdings in assessments.
WA Land Tax Calculator
Calculate land tax in Western Australia. Threshold is $300,000 with rates from 0.25% to 2.67%. Metropolitan region levy may also apply.
SA Land Tax Calculator
Calculate land tax in South Australia. Tax-free threshold is $833,000 with rates from 0.5% to 2.4%. SA uses a progressive bracket system.
TAS Land Tax Calculator
Calculate land tax in Tasmania. Threshold is $125,000 (from 1 July 2025) with rates from 0.55% to 1.5%. Principal residence is exempt.
ACT Land Tax Calculator
Calculate land tax in the ACT. Fixed charge plus marginal rates on Average Unimproved Value (AUV). Applies to all non-principal-residence properties.
NT Land Tax Calculator
The Northern Territory does not charge land tax — it is the only Australian jurisdiction without it. Calculate your savings compared to other states.
About Property Calculators
Each Australian state offers different first home buyer benefits. The First Home Owner Grant (FHOG) ranges from $7,000 (ACT) to $30,000 (QLD and TAS). Stamp duty exemptions apply up to $800,000 in NSW, $600,000 in VIC, and $700,000 in QLD for eligible first home buyers.
Investment property owners can claim tax deductions for loan interest, management fees, council rates, insurance, maintenance, and depreciation. When expenses exceed rental income, the property is negatively geared — the loss offsets your other income, reducing your tax bill at your marginal rate.
Australian investors typically target gross rental yields of 4-6% in capital cities. Land tax is an annual state tax on investment property land value — unlike stamp duty (a one-off purchase cost). Your principal residence is exempt from both land tax and capital gains tax.
Official sources: First Home Guarantee · MoneySmart Property
Built by Konstantin Iakovlev. Data sourced from official Australian government publications.