Home Property Resources and Calculators
Property Resources and Calculators
Property investment calculators for Australia: mortgage and offset, rental yield, Airbnb income, cash flow and whole property portfolios, with plain-English guides on buying, investing and short-term rental. All of the calculators are free to use, and each one works from the numbers you enter.
- MortgageRepayments and offsetUp to 10 staged strategiesModel repayments, interest-only periods, offset balances and extra repayment plans across the whole loan.Open the mortgage calculator
- Rental yieldInvestment or AirbnbGross + net yield in secondsEnter the price, rent or nightly rate and yearly costs to compare properties on the same basis.See the yield calculators
- Airbnb incomeFree estimateAbout 1 minute from real listings near youEnter the address, bedrooms and guests. A copy of the estimate is emailed to you.Estimate my Airbnb income
In short
Which property calculator do I need? To compare properties, use the rental yield calculator. To see whether a property pays for itself, use the cash flow calculator or the mortgage and offset calculator. To plan several properties at once, use a portfolio analyser. For an Airbnb or holiday rental, start with the short-term rental yield calculator.
Calculators give estimates from the numbers you enter. They are general information, not financial, tax or legal advice.
Calculators
Mortgage, yield and cash flow calculators
Use these five calculators to test a property before you buy: the mortgage and offset calculator for repayments and interest, the investment and short-term rental yield calculators for rental returns, the Airbnb cash flow calculator for what is left after the loan, and a side-by-side comparison of buying, rentvesting and renting.
- Mortgage and offset calculatorModel repayments, interest-only periods, offsets, extra repayments and staged saving plans, and see how much interest each choice could save.Open the mortgage calculator
- Investment property yield calculatorFind the gross and net rental yield from the purchase price, weekly rent and yearly costs, so you can compare suburbs and cities on the same basis.Open the yield calculator
- Short-term rental yield calculatorWork out what an Airbnb or holiday rental could return before you buy, using the nightly rate, expected occupancy and running costs.Open the Airbnb yield calculator
- Airbnb cash flow calculatorSee whether an Airbnb property would pay for itself: weekly, monthly and yearly cash flow after the loan and costs.Open the cash flow calculator
- Buy a home vs rentvest vs rentCompare buying the home you live in, rentvesting and renting while you invest, side by side, using your own budget, rent, loan and growth assumptions.Compare the three paths
Portfolio and Airbnb tools
Plan a whole portfolio, or check an Airbnb
Use a portfolio analyser to model up to 20 properties as investments, short-term rentals or a mix with one owned home. For an Airbnb, the revenue estimator gives a free income estimate, the listing performance audit shows the gap to the market average, and the business calculator works through running costs.
- Investment property portfolio analyserModel up to 20 standard investment properties across value, debt, rent, expenses, cash flow and keep-or-sell scenarios in one view.Open the investment analyser
- Short-term rental portfolio analyserModel an Airbnb or short-term rental portfolio with occupancy, nightly rates, fees, cleaning and operating costs across several properties.Open the Airbnb analyser
- Mixed portfolio analyserCombine investment properties, short-term rentals and one owner-occupied home inside the same portfolio plan.Open the mixed analyser
- Short-term rental business calculatorFor hosts, co-hosts and managers: work through the costs of running a short-term rental portfolio and audit which properties carry the business.Open the business calculator
- Airbnb revenue estimatorA free estimate of yearly and monthly booking income from real Airbnb listings near your address, before you buy or list.Estimate my income
- Airbnb listing performance auditSee the gap between the market average and your property, and where pricing, setup, listing quality and management could lift the result.Audit my property
Before you start
How to get a useful answer from a calculator
A calculator is only as good as its inputs. Start with one property, use the price, rent and costs you have actually been quoted, add the loan, then stress-test the result with lower rent or occupancy and a higher interest rate to see whether the numbers still work.
- 1Start with one property
Run a single property through the yield or cash flow calculator first.
- 2Use real numbers
Use the price, rent and costs you have actually been quoted, not best-case guesses.
- 3Add the loan
Then model the mortgage and offset to see what the loan really costs over time.
- 4Stress-test it
Try lower rent or occupancy and a higher rate to see whether the numbers still work.
Calculators give estimates from the numbers you enter. They are general information, not financial, tax or legal advice.
- Buying and investingMake a better buying decisionGuides on the blogBuying decisions, due diligence, cash flow, area selection and investment strategy.Read the guides
- Airbnb and short-term rentalEarn more from your AirbnbGuides on the blogPerformance, setup, guest experience, pricing and revenue strategy.Read the guides
- SMSF propertyHow the SMSF path differsGuides on the blogSMSF property thinking, structure considerations and how this buying path differs.Read the guides
Property calculators: common questions
Common questions about our property calculators: whether they are free, how accurate the results are, which calculator to start with, how to work out rental yield, and whether you can model more than one property. The calculators are general information, not financial, tax or legal advice.
Are the calculators free to use?
Yes. The calculators and the Airbnb income estimate on this page are free to use. The Airbnb estimate emails you a copy.
How accurate are the results?
They are estimates based on the numbers you enter, so they are only as good as those numbers. Use real quotes for price, rent, rates and costs, and test a lower and a higher case.
Is this financial advice?
No. The calculators are general information tools. For advice on your own situation, speak with a licensed financial adviser, accountant or mortgage broker.
Which calculator should I start with?
If you are comparing properties, start with a yield calculator. If you are working out whether a property pays for itself, use the cash flow calculator or the mortgage calculator. If you own several properties, use a portfolio analyser.
Where does the Airbnb income estimate come from?
It comes from real Airbnb listings near your address, matched on bedrooms and guests. It takes about a minute.
Can I model more than one property?
Yes. The portfolio analysers let you model up to 20 properties, as investment properties, short-term rentals, or a mix with one owner-occupied home.
How do I calculate rental yield?
Gross rental yield is the yearly rent divided by the purchase price, times 100. Net rental yield takes the yearly running costs off the rent first. Our investment property yield calculator does both from the price, weekly rent and costs you enter.
What is the difference between gross and net rental yield?
Gross yield uses the rent only. Net yield also subtracts costs such as rates, insurance, management and maintenance, so it is the fairer way to compare two properties.
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Is there an Airbnb calculator for Australian properties?
Yes. The Airbnb revenue estimator gives a free income estimate from real listings near your address, and the short-term rental yield and cash flow calculators work out what an Airbnb or holiday rental could return after the loan and running costs.
What does a mortgage offset calculator show?
It shows how money held in an offset account reduces the interest charged on your loan, and how much interest and time that could save. Our mortgage and offset calculator lets you test repayments, interest-only periods, extra repayments and staged saving plans.
Facts checked 28 October 2026.
- The Reserve Bank’s cash rate target is 4.60%, after a 0.25 percentage point rise that took effect on 30 September 2026 (RBA, checked 28 October 2026).
- Airbnb’s Help Centre says most hosts pay a single 15.5% service fee, deducted from the host’s payout (Airbnb service fees, checked 28 October 2026).
- From 1 July 2027 the 50% CGT discount for individuals, trusts and partnerships is replaced by cost base indexation and a 30% minimum tax rate on capital gains, and it applies only to gains that accrue after that date (ATO: tax reform, checked 28 October 2026).
- Also from 1 July 2027, negative gearing for residential property investments is limited to new builds, and properties held at 7:30pm AEST on 12 May 2026 are exempt from that change (ATO: tax reform, checked 28 October 2026).
Want a hand with the numbers?
Book a free 15-minute call and we will talk through your property goals, your Airbnb or your next purchase. You can also call 0434 211 016 during business hours, Monday to Friday 8 am to 5:30 pm and Saturday 8 am to 12 pm, or send a message from the contact page.