Property & real estate calculators
Work out rental yield, stamp duty in every state, land tax, your top bid at auction, settlement costs and what a renovation adds, whether you're buying a home or investing.
11 calculators, free and with no sign-up. Every result shows its working.
What would the stamp duty be?
Each state's published rates for a home you'll live in, with first home buyer concessions where they apply.
- NSW$30k
- VIC$43k
- QLD$22k
- WA$32k
- SA$38k
- TAS$31k
- ACT$22k
- NT$40k
Where most people start
Rental Yield Calculator
Gross and net rental yield on an investment property
Stamp Duty Comparison Calculator
Stamp duty on the same property in every state and territory
Auction Bidding Calculator
Your top bid at auction, after stamp duty and buying costs
Land Tax Calculator
Land tax on investment land in every state, with foreign surcharges
All 11 calculators, by what they answer
Buying a place
Owning an investment
- Rental Yield CalculatorGross and net rental yield on an investment property
- Land Tax CalculatorLand tax on investment land in every state, with foreign surcharges
- Depreciation Schedule EstimatorDepreciation on a rental's building and fittings, under ATO rules
- SMSF Property Investment CalculatorBuying property in your SMSF against a diversified fund
Adding value
Every lender's lowest home loan rate today
Read from each institution on 7 November 2026Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 3-year fixed home loan rate anyone can apply for; hover or tap a dot for its name.
The figures in full
The average new owner-occupier home loan was $842,000 in NSW and $664,000 in Victoria in the June quarter 2026, from the ABS. A two-bedroom unit on a new lease in NSW rents for a typical $785 a week.
As of 7 November 2026, the lowest variable home loan rate is 5.93%, from SCCU's BROKER HOME LOAN, while the typical best across 104 institutions is 6.38%. The lowest 3-year fixed home loan rate is 6.24%, from Credit Union SA's 3-Year Fixed 40 Year Home Loan Package, while the typical best across 80 institutions is 6.69%. The RBA cash rate is 4.85%. Those are for an owner-occupier paying principal and interest at an 80% LVR.
The real products and rates
Run the numbers here, then see what's actually on offer: every product, policy or payment rate, as its provider or the government publishes it.
Questions these calculators answer
- What is a good rental yield in Australia?
- It depends on what you compare it with. Net yield is the income return before loan interest and tax, so compare it with your loan's interest rate and with what the money would earn elsewhere, such as a term deposit. A lower yield can still suit an investor counting on capital growth, but the gap has to be funded each year. Open the Rental Yield Calculator
- Which state has the cheapest stamp duty?
- For first home buyers, the ACT and SA (new homes only) offer full exemptions with no price cap. For other owner-occupiers, Queensland's home concession and the ACT's owner-occupier rates make them the cheapest at $800,000, and Victoria the dearest. The order changes with the price and the buyer, so compare at your own figures. Open the Stamp Duty Comparison Calculator
- How much deposit do I need at auction?
- In NSW the deposit is 10% of the purchase price, paid when contracts are signed after the auction, unless a smaller amount such as 5% is agreed with the seller beforehand. The rest of the price is paid at settlement, usually from your loan. Open the Auction Bidding Calculator
- What percentage of income should go to rent?
- A common benchmark is no more than 30% of gross household income. The AIHW's housing stress measure counts lower-income households paying more than 30% as being in housing stress. What's left after rent matters too: if you can't cover your costs and save, the rent is too high whatever the percentage. Open the Rental Affordability Calculator