Honest, transparent calculators for Australian property investors. Strip back the agent's pitch, the spruiker's pamphlet, the YouTube guru. See exactly what your investment really costs to hold, what tax structure actually makes sense, and how proposed Budget 2026 changes hit your bottom line. Built by an investor, for investors.
Explore the calculators →Agents quote yield — never holding costs. Spruikers show capital growth — never tax structure consequences. Bank tools show borrowing capacity — never what survives a vacancy or a rate rise. The Real Return shows you the full picture, including the parts that hurt. Because if a property only works when you ignore the inconvenient figures, it doesn't really work.
All free to use, model both current law and proposed Budget 2026 rules where relevant, and save scenarios to your browser.
A serious property platform takes time. Here's the trajectory.
Full lifecycle with personal, trust, and company comparison.
Side-by-side property comparison with a clear buy/no-buy score.
Pre-1985 and straddle-cutoff CGT modelling for Budget 2026.
Save scenarios and shortlists, access from any device. Email-based login.
Map your borrowing capacity across multiple lenders and structures.
Model refinancing, equity release for the next purchase, P&I-to-IO switches.
Reverse-engineer your portfolio. Set a passive-income or net-worth goal, year by year.
Full upfront costs, realistic cashflow, vacancy events, rate-rise stress tests.
What if rates rise 1.5%? What if vacant 3 months? Does the deal still survive?
The cost-base clawback at sale that calculators conveniently forget.
The 6-year rule, cost-base reset, partial exemption math — modelled honestly.
LRBA borrowing rules, contribution caps, in-house asset constraints — no spruiker spin.
A direct, no-fluff checklist covering due diligence, structure, settlement, and the first 90 days of ownership. Free, immediate, no hidden upsells. Drop your email and you'll get it straight to your inbox — plus occasional updates when new calculators launch, Budget legislation passes, or there's something worth saying. Name and phone are optional and only used if you want personalised follow-up.