The Finance Algorithm
§ Tool · tier 2 · independent

Renovation ROI Calculator.

Calculate the return on investment from property renovations. See which upgrades add the most value and which are money pits.

Live dataFree, no signupOn-deviceupd February 2026
Inputs
Your numbers
$
$700k

Current estimated market value before renovation

Type of renovation you're planning

$
$40k

Total planned renovation spend including all trades and materials

Whether you're renovating to sell, rent, or live in

DIY saves money but may not add the same perceived value

Property type affects which renovations add the most value

Math updates live as you change inputs · AI runs on submit

Awaiting inputs

Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.

Not all renovations are equal — a kitchen renovation typically returns $1.50-$2.00 for every $1 spent, while a pool might return only $0.50. The secret is knowing which renovations add the most VALUE relative to cost in your specific market. Cosmetic upgrades (paint, floors, landscaping) often deliver the highest ROI at 200-300%, while structural changes (extensions, extra rooms) add more dollar value but at a lower percentage return. This calculator helps you prioritise your renovation spend for maximum impact.

§ Worked examples

Real-world scenarios

Kitchen Renovation — $40K Budget

Property value: $700K. Spending $40K on a full kitchen renovation including new appliances, benchtops, and cabinetry.

Expected value added: $60K-$80K. ROI: 150-200%. New property value: $760K-$780K. Net gain: $20K-$40K. This is one of the highest-ROI renovations, especially for properties more than 15 years old with original kitchens.

§ FAQ

Questions Australians ask

§ Glossary

Plain-English definitions

Over-Capitalisation
Spending more on property improvements than the increase in property value. Common when renovations exceed the suburb's price ceiling.
Renovation ROI
Return on investment from renovation, calculated as value added divided by renovation cost, expressed as a percentage.