Reno Calc
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Property Deal Calculator

Make cleaner property calls without the spreadsheet chaos.

Run renovation, secondary dwelling, affordability and portfolio checks in one polished workspace, then unlock deeper premium analysis when you need it.

Built for Australian property investors Free core calculators One-off premium unlock
What this gives you
Fast numbers first, sharper calls after.
Check deal basics in seconds, compare scenarios, and use premium feedback to see what strengthens a project and what could drag it down.
4 calculators One clean workflow
Premium mode Strategic feedback
Payment model One-off upgrade
Free account

Use the calculators for free, then upgrade once your account is ready

Unlock premium to access deeper analysis, exports and a sharper strategic read across every calculator.

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 Analysis
A sharper renovation read on margin quality, execution pressure, and whether the deal is genuinely worth doing.

Sharper insight once the numbers go in

Run the calculator to see how profit margin, ROI, finance drag and project cost pressure change the quality of the renovation deal.

Needs inputs
Position
-
Overall quality of the renovation deal once cost pressure and exit are considered.
Profit Margin
-
How much room the deal leaves after all project costs are absorbed.
Execution Risk
-
How exposed the deal looks to time, holding costs, finance, and build overruns.
Safer Buy Range
-
A more conservative buy zone if you want stronger protection on the way in.

What’s Working

Enter your numbers to see what is carrying the renovation deal.

Main Risk

Enter your numbers to see the main renovation watchpoint.

Investor Takeaway

Enter your numbers to get a sharper premium renovation read.

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 Analysis
A sharper read on yield, funding pressure, equity creation, and whether the secondary dwelling genuinely improves the full property position.

Sharper insight once the numbers go in

Run the calculator to see how funding mix, net cashflow, yield strength and value uplift change the quality of the secondary dwelling project.

Needs inputs
Position
-
Overall quality of the project once rent, debt and value uplift are considered together.
Yield Quality
-
How hard the secondary dwelling rent is working relative to the total build cost.
Funding Pressure
-
How much the funding setup is leaning on debt versus preserving breathing room.
Safer Build Range
-
A more conservative total spend zone if you want stronger protection against overruns.

What’s Working

Enter your numbers to see what is carrying the secondary dwelling deal.

Main Risk

Enter your numbers to see the main secondary dwelling watchpoint.

Investor Takeaway

Enter your numbers to get a sharper premium secondary dwelling read.

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
Choose one method, then enter the number you care about most.
Pick one method only.
The calculator will work backwards from this monthly repayment.
Estimated stamp duty: $0.00
Estimated buying costs: $0.00
Use this for moving costs, lender fees, small works, furniture or a safety buffer.
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 Analysis
A deeper investor read on resilience, pressure points and how strong the deal really looks at this level.

A more measured buying position

Run the calculator to see how leverage, cash left over, and your chosen buying method change the tone of the deal.

Needs inputs
Position
-
Overall comfort level once structure and costs are considered.
Leverage
-
How aggressive the debt position looks relative to the price.
Buffer
-
How strong the overall structure looks once equity and leverage are assessed together.
Safer Buying Range
-
A more conservative zone to target inside your broader affordability range.

What’s Working

Enter your numbers to see the stronger parts of the structure.

Main Risk

Enter your numbers to see the main watchpoint.

Investor Takeaway

Enter your numbers to get a sharper premium affordability read.

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
Add as many properties as you want.
Free: 1 property only. Upgrade to unlock multiple properties.
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 Analysis
A more strategic read on growth quality, debt pressure, and what could improve the portfolio most.

Sharper insight once the numbers go in

Run the calculator to see how portfolio scale, future cashflow, debt pressure and your chosen exit path change the quality of the portfolio.

Needs inputs
Position
-
Overall quality of the portfolio once value growth, equity and cashflow are considered together.
Growth Quality
-
How strong the growth profile looks relative to the size and number of properties in the portfolio.
Debt Pressure
-
How much the portfolio still leans on debt by the end of the selected period.
Best Lever
-
The single adjustment most likely to improve the portfolio from here.

What’s Working

Enter your numbers to see what is carrying the portfolio.

Main Watchpoint

Enter your numbers to see the main portfolio watchpoint.

What Could Improve It

Enter your numbers to see the biggest lever to improve the portfolio.

Best Exit Read

Enter your numbers to compare the current exit path in a more strategic way.

Investor Takeaway

Enter your numbers to get a sharper premium portfolio read.

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.