Property Deal Calculator

Analyse Property Deals in Seconds

Calculate ROI, profit, affordability and portfolio growth instantly.

Free tool for Australian property investors • No signup required

Used for flips, buy & hold, renovation projects and portfolio planning.

Premium unlocked

Payment successful — welcome to Reno Calc Premium

You can use the calculators below without the upgrade prompts. Premium verdicts, decision insights and the full report layer are now unlocked on this device.

Calculate purchase costs, renovation spend, finance costs and sale proceeds to quickly see whether a renovation deal is worth pursuing.

Find out whether this renovation deal stacks up in under 30 seconds.
Quick Deal Snapshot
Fast answer first. The full cost breakdown is below.
Needs inputs
Enter the deal numbers to see the rating logic.
Total Costs
$0.00
Total Sale Proceeds
$0.00
Net Profit
$0.00
ROI
0%
Main Inputs
These are the main numbers most people need to run the deal.
Mortgage
Enter the loan setup being used for the project.
Usually 30 years.
Rental
If the property was rented during the hold period, include it here.
Click here for more advanced options, including cost overrides and auto-estimated ownership costs.
Estimated stamp duty: $0.00
Estimated buying costs: $0.00
Estimated selling costs: $0.00
Estimated monthly ownership costs: $0.00
This covers average running / ownership costs during the hold period.
Investment Summary
This gives you the key answer first, with the detailed breakdown underneath.
Total Costs
$0.00
Total Sale Proceeds
$0.00
Net Profit
$0.00
Deal Rating
-

Main Numbers

Purchase Price$0.00
Renovation Costs$0.00
Total Project Costs$0.00
Total Sale Proceeds$0.00
Net Profit$0.00
ROI0%

Detailed Breakdown

Stamp Duty$0.00
Buying Costs$0.00
Selling Costs$0.00
Ownership Costs$0.00
Finance Costs$0.00
Rental Income Offset$0.00
Contingency Cost$0.00
Cash Needed Upfront$0.00
Max Purchase Price$0.00
Premium decision insight

Would this be a good renovation purchase?

This is the interpretation layer buyers actually pay for: clear verdict, what is driving it, and what could still kill the deal.

Verdict
—
Calculate the deal to see the premium verdict.
Decision insight
—
The premium layer explains if the margin is strong enough once real-world costs are considered.
What is working—
Main risk—

See the decision before you risk the deposit

Unlock the yes / no verdict, what is driving the return, and the exact factor most likely to turn the project weak.

Unlock Full Report – $9.99
Premium Renovation Pack

Unlock Full Renovation Deal Analysis

Go beyond the quick summary and see whether the renovation still stacks up once you pressure-test the deal.

Included in Premium

  • Target profit gap analysis
  • Margin of safety on purchase price
  • Best, base and worst resale outcomes
  • Cash in versus cash out comparison
  • Renovation deal verdict

Why it matters

  • See if the project still works with softer resale assumptions
  • Avoid overpaying before renovation costs blow out
  • Know your real buffer before committing capital
Unlock Full Analysis – $9.99

One-time payment • Instant access • No subscription

Planning tool only. Stamp duty and other cost estimates are simplified for planning purposes and do not include tax, GST, CGT, depreciation, lender fees or personal financial advice.

Estimate build cost, funding impact, rental income and value uplift from adding a secondary dwelling to an existing property.

See the cashflow and equity lift from a secondary dwelling before you commit.
Quick Snapshot
The main questions: what does the secondary dwelling add, and what does the full property position look like after?
Needs inputs
Enter the build, rent and funding details to see the rating logic.
Secondary Dwelling Monthly Cashflow
$0.00
Existing Property Monthly Cashflow
$0.00
Combined Monthly Cashflow
$0.00
Equity Created
$0.00
Secondary Dwelling
Start with the secondary dwelling itself.
Usually 30 years.
Click here for more advanced options, including vacancy, maintenance and value uplift assumptions.
Estimated value added = build cost × this number.
Existing Property
Now add the house the secondary dwelling sits on.
Investment Summary
Three views: the secondary dwelling on its own, the existing house on its own, and the combined outcome.
Secondary Dwelling Cashflow
$0.00
Existing Property Cashflow
$0.00
Combined Cashflow
$0.00
Deal Rating
-

Secondary Dwelling Breakdown

Build Cost$0.00
Cash Contribution$0.00
Loan Amount$0.00
Monthly Repayment$0.00
Monthly Rent Used$0.00
Annual Maintenance$0.00
Net Monthly Cashflow$0.00
Net Weekly Cashflow$0.00

Existing Property Breakdown

Property TypeMain Residence
Current Property Value$0.00
Mortgage Balance$0.00
Monthly Repayment$0.00
Monthly Rent Used$0.00
Net Monthly Cashflow$0.00
Combined Position
This shows the full picture after the secondary dwelling is added.
Total Debt
$0.00
Total Monthly Repayments
$0.00
Total Monthly Rent
$0.00
Combined Monthly Cashflow
$0.00

Value Impact

Estimated Value Added$0.00
Equity Created$0.00
New Estimated Property Value$0.00

Extra Metrics

Secondary Dwelling Gross Yield0%
Secondary Dwelling Payback Period0 yrs
Funding SplitCash
Premium decision insight

Would this secondary dwelling be worth building?

Premium turns the raw numbers into a project verdict: whether the build actually earns its keep, how fast it pays back, and what weakens the case.

Verdict
—
Calculate the project to see the premium verdict.
Decision insight
—
Premium explains whether the rent, build cost and equity uplift justify going ahead.
What is working—
Main risk—

See if the build truly pays for itself

Unlock the yes / no verdict, payback view and the main factor making the build strong or weak before you spend the capital.

Unlock Full Report – $9.99
Premium Granny Flat Pack

Unlock Full Secondary Dwelling Analysis

See the long-term cashflow and value impact before you spend on a build, refinance, or subdivision strategy.

Included in Premium

  • 5-year combined cashflow projection
  • Build payback period estimate
  • Equity uplift versus cash invested
  • Funding sensitivity if rates change
  • Secondary dwelling verdict

Why it matters

  • Understand whether the rent actually justifies the build cost
  • Compare the uplift against keeping your capital elsewhere
  • Make the project decision with a clearer downside view
Unlock Full Analysis – $9.99

One-time payment • Instant access • No subscription

Planning tool only. This does not include exact council rules, detailed lending policy, tax, insurance, utilities upgrades, service authority costs or legal advice.

Work out the approximate property price you can afford based on your available cash, chosen deposit percentage, stamp duty, buying costs and example repayments.

Know your real buying power before you start making offers.
Quick Affordability Snapshot
See your estimated buying power first, then the full breakdown underneath.
Needs inputs
Add your cash and loan settings to see the affordability position.
Cash Available
$0.00
Estimated Max Purchase
$0.00
Estimated Loan Amount
$0.00
Monthly Repayment
$0.00
Main Inputs
Enter the amount of cash you have available and your preferred loan setup.
Example: 20% deposit means an 80% loan.
Click here for more advanced options, including cost overrides and an extra cash buffer.
Estimated stamp duty: $0.00
Estimated buying costs: $0.00
Use this for moving costs, lender fees, small works, furniture or a safety buffer.
This is optional. It lets you compare your estimated repayment to a target.
Affordability Summary
This gives your estimated maximum purchase, cash allocation and example repayments.
Estimated Max Purchase
$0.00
Deposit Amount
$0.00
Loan Amount
$0.00
Deal Rating
-

Purchase Breakdown

Cash Available$0.00
Estimated Max Purchase Price$0.00
Deposit Amount$0.00
Loan Amount$0.00
Deposit % Used0%

Cost Breakdown

Stamp Duty$0.00
Buying Costs$0.00
Extra Buffer$0.00
Total Cash Used$0.00
Cash Left Over$0.00
Repayment Guide
These are example repayments based on the estimated loan amount.
Monthly Repayment
$0.00
Weekly Repayment
$0.00
Target Difference
$0.00
Estimated LVR
0%
Premium decision insight

Would this be a comfortable purchase?

Premium separates what is technically possible from what is actually sensible once buffers, repayments and leftover cash are properly considered.

Verdict
—
Calculate the scenario to see the premium verdict.
Decision insight
—
Premium tells you if this price point is comfortable, stretched or likely to leave you too exposed.
What is working—
Main risk—

See the comfortable number, not just the maximum

Unlock the yes / no verdict, repayment pressure check and the exact factor that makes this purchase feel safe or stretched.

Unlock Full Report – $9.99
Premium Affordability Pack

Unlock Full Buying Capacity Analysis

Get the deeper breakdown on deposit structure, buffers and repayments so you can judge whether the purchase really fits.

Included in Premium

  • Deposit structure breakdown
  • Cash buffer after settlement
  • Repayment sensitivity by rate scenario
  • Stretch purchase range versus comfortable range
  • Affordability verdict

Why it matters

  • See whether the deal still works once a real buffer is left over
  • Avoid maxing out cash on the deposit alone
  • Spot the difference between possible and comfortable
Unlock Full Analysis – $9.99

One-time payment • Instant access • No subscription

Planning tool only. Stamp duty and buying costs are simplified estimates and this does not include borrowing capacity assessment, lender policy, tax, government schemes, exact conveyancing figures or personal financial advice.

Model future portfolio value, debt, equity, rent and exit outcomes across multiple properties over your chosen timeframe.

See where your portfolio could be in 5, 10 or 20 years.
Quick Portfolio Snapshot
See your current and future position across the whole portfolio.
Needs inputs
Add properties to see why the portfolio is rated that way.
Current Portfolio Value
$0.00
Future Portfolio Value
$0.00
Portfolio Monthly Cashflow
$0.00
Equity Growth %
0%
Projection Settings
Choose how far ahead you want to look.
Properties
Free plan includes 1 property. Premium unlocks full portfolio modelling, strategy and multi-property analysis.
Basic plan: 1 property only • Premium unlocks full portfolio mode
Free mode only allows one property. Upgrade to premium to compare multiple properties and run full portfolio strategy.
No properties added yet. Click + Add Property to start building your portfolio.
Investment Summary
See the combined portfolio first, then the individual property forecasts underneath.
Properties Counted
0
Value Growth
$0.00
Rent Growth
$0.00
Deal Rating
-

Current vs Future Portfolio

Current Portfolio Value$0.00
Future Portfolio Value$0.00
Current Debt$0.00
Future Debt$0.00
Current Equity$0.00
Future Equity$0.00

Rent & Repayments

Current Annual Rent$0.00
Future Annual Rent$0.00
Current Monthly Repayments$0.00
Future Monthly Repayments$0.00
Future LVR0%
Properties Counted0
Future Exit Strategy
Keep it simple: choose either a refinance cash-out or a sale scenario.
Used to estimate how much equity could be released.
Covers valuation, legal, discharge, application and misc refinance costs.
Future Lending Capacity
$0.00
Future Debt Owing
$0.00
Available Cash Out Before Costs
$0.00
Net Cash Out After Costs
$0.00
Portfolio Growth Visual
A quick visual of how the portfolio changes over the selected timeframe.
Value Growth
0%
Equity Growth
0%
Rent Growth
0%
Individual Property Forecasts
Each property shows its current and future position in the chosen timeframe.
Add properties to see the individual breakdown here.
Premium decision insight

Full portfolio verdict

Premium turns the long-term numbers into a yes / maybe / no call, with the main opportunity and the main risk spelled out.

Verdict
—
Calculate the portfolio to see the premium verdict.
Decision insight
—
Premium explains whether the projected growth, cashflow and leverage are strong enough to support the strategy.
What is working—
Main risk—

Unlock the full portfolio call

See whether the portfolio is actually building wealth the right way — and what the weak point is before you buy the next property.

Unlock Full Analysis – $9.99
Premium Portfolio Pack

Unlock Full Portfolio Growth Analysis

This is the premium view for investors who want the bigger picture, not just today’s snapshot.

Included in Premium

  • 5-year cashflow projections
  • 5-year profit and equity estimates
  • Portfolio-level insights
  • Scenario analysis for growth and rent assumptions
  • Portfolio investment verdict

Why it matters

  • See the compounding impact before you buy the next property
  • Understand whether growth or cashflow is doing the heavy lifting
  • Plan refinance or sale decisions with more confidence
Unlock Full Analysis – $9.99

One-time payment • Instant access • No subscription

Planning tool only. Uses simplified compounding, repayment and rent-growth assumptions and does not include tax, vacancies, future purchases, refinancing changes or rate changes.

Reno Calc
Property investment planning tools for renovation analysis, secondary dwelling assessment, affordability planning, and long-term portfolio modelling.

These calculators are provided for planning purposes only and do not constitute financial, legal, taxation, or lending advice. Users should verify all assumptions independently before making any investment decision.