SMSF Property Investment Calculator.
Calculate whether buying property through your self-managed super fund (SMSF) makes financial sense. Covers LRBA, contributions, and compliance costs.
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.
Buying property through an SMSF can be tax-effective — rental income is taxed at just 15% (0% in pension phase) and capital gains get a 33% discount. But it comes with complexity: LRBA loans charge 1-2% above standard rates, annual compliance costs are $3,000-$6,000, and there are strict rules about who can use the property. You need a minimum $200K in super (ideally $300K+) just to make SMSF property viable. This calculator helps you run the numbers to see if the tax benefits outweigh the extra costs and restrictions.
Real-world scenarios
Couple with $400K SMSF
2 members, $400K super balance, buying $500K property with LRBA, $50K/year contributions, 15 years to retirement.
LRBA loan: ~$200K at 8%. Annual rent: $23,400 (taxed at 15% = $3,510 tax). Compliance costs: ~$5,000/year. Net annual cash flow: ~$8,000-$12,000 positive (after loan + costs). At retirement in 15 years: property worth ~$900K (4% growth), zero tax in pension phase. But consider: $400K in diversified ETFs might grow to $1.1M with less risk.