Free Property Calculators Australia — Mortgage, Stamp Duty & Rental Yield
Buying, selling, or investing in Australian property involves more numbers than most people expect. Our 21 free property calculators cover every stage — from calculating stamp duty by state before you make an offer, to working out your exact mortgage repayments after settlement, to modelling the rental yield and CGT implications of an investment property. All calculators use state-specific rates and are updated for current ATO and state revenue office thresholds.
Showing 21 of 21 tools
Browse all categories →Mortgage Repayment Calculator
Estimate your weekly, fortnightly, or monthly mortgage repayments and see total interest over the life of your loan.
Open Calculator →Stamp Duty Calculator
Calculate government stamp duty and transfer fees for property purchases across all Australian states.
Open Calculator →Rental Yield Calculator
Calculate gross and net rental yields for your investment property in Australia.
Open Calculator →Capital Gains Tax Calculator
Estimate your CGT liability for property sales in Australia.
Open Calculator →Land Tax Calculator VIC
Calculate VIC land tax for general and trust land with 2026 rates
Open Calculator →Negative Gearing Calculator
Calculate tax benefits from rental property negative gearing based on your tax bracket
Open Calculator →NSW Stamp Duty Calculator
Calculate NSW stamp duty with first home buyer options for 2025-26
Open Calculator →Lenders Mortgage Insurance (LMI) Calculator
Estimate LMI cost for deposits under 20% (LVR > 80%)
Open Calculator →QLD Stamp Duty Calculator
Calculate Queensland stamp duty instantly. Updated for May 2025 — first home buyers pay $0 on new homes.
Open Calculator →Bridging Loan Calculator: How Much Does It Cost to Buy Before You Sell?
Calculate peak debt, interest costs, and end debt for bridging loans when buying before selling your property
Open Calculator →Commercial vs Residential Property: Which Yield is Better?
Calculate commercial rental yield with gross/net yields, vacancy allowance, and outgoings for business property investors.
Open Calculator →How Much Does Conveyancing Really Cost in Australia?
Estimate conveyancing legal fees and disbursements for buying or selling property. Includes state-specific cost breakdowns and LMI implications.
Open Calculator →Gross vs Net Rental Yield: Why 1% Makes a Huge Difference
Calculate gross and net rental yield with detailed expense breakdown for investment property cash flow analysis
Open Calculator →First Home Owner Grant (FHOG) VIC: Eligibility Checklist
Check your eligibility for the $10,000 First Home Owner Grant in Victoria. Assess property price cap ($750k), new home requirement, and first buyer status.
Open Calculator →Foreign Buyer Surcharge Australia: 2026 Buying Guide
Calculate foreign buyer surcharge and FIRB fees for international property investors in Australia. Understand non-resident stamp duty and compliance.
Open Calculator →LVR Explained: How it Determines Your Home Loan Approval
Calculate Loan-to-Value Ratio (LVR), equity position, and understand LMI implications for Australian property purchases.
Open Calculator →Hidden Costs of Selling Your House in Australia: A 2026 Guide
Calculate total selling costs including agent commission, legal fees, and marketing to determine your net proceeds from a property sale.
Open Calculator →Fixed vs Variable: Is a Split Loan Right for You in 2026?
Calculate repayments for split loans combining fixed and variable rates. Compare mortgage strategies to manage interest rate risk.
Open Calculator →SA Stamp Duty Calculator: 2026 Rates for Adelaide Buyers
Calculate South Australia stamp duty with tiered rates, transfer fees, and mortgage registration costs for property purchases
Open Calculator →Maximize Your Tax Refund: Property Depreciation Guide 2026
Estimate Division 40 & 43 tax depreciation deductions for Australian investment properties. Understand Capital Works vs Plant & Equipment.
Open Calculator →Western Australia Land Tax: 2026 Rates & Thresholds Explained
Calculate WA land tax based on unimproved land value with progressive thresholds for 2025-26. Includes PPOR exemption and residential vs commercial distinctions.
Open Calculator →How Australian Businesses Use These Calculators
Buying Your First or Next Home?
Analysing an Investment Property?
How Australian Property Buyers and Investors Use These Calculators
Property is the largest financial decision most Australians ever make, and the numbers are more complex than a simple purchase price. Stamp duty alone can add $30,000–$80,000 to the cost of a Sydney or Melbourne property purchase. Knowing this upfront changes how much you need to save and whether you can avoid Lenders Mortgage Insurance (LMI).
Our Stamp Duty Calculator covers all Australian states and territories with state-specific rates, first home buyer concessions, and foreign buyer surcharges. NSW, VIC, QLD, SA, WA, TAS, ACT, and NT all have different thresholds and exemptions — this tool handles all of them.
For property investors, the Rental Yield Calculator and Detailed Rental Yield Calculator show the difference between gross and net yield once you factor in property management fees, council rates, insurance, maintenance, and vacancy. A property yielding 5% gross might return only 3.2% net — which changes the entire investment case.
The Negative Gearing Calculator helps investors understand when negative gearing actually makes financial sense. The tax benefit of negative gearing depends on your marginal tax rate and the capital growth assumption. At lower income levels, the tax saving shrinks considerably, which our calculator makes immediately visible.
For first home buyers, the LMI Calculator and LVR Calculator show whether you need to pay Lenders Mortgage Insurance — typically required when your deposit is below 20% of the purchase price — and how much it will cost. LMI is often thousands of dollars that can be avoided by saving a slightly larger deposit or using a guarantor.
Frequently Asked Questions
How is stamp duty calculated in Australia?+
Stamp duty (also called transfer duty) is calculated as a percentage of the property purchase price or market value (whichever is higher) using a tiered rate scale. Each state has different rates and thresholds. First home buyers may receive full or partial exemptions below certain price thresholds. Our Stamp Duty Calculator covers all states — NSW, VIC, QLD, SA, WA, TAS, ACT, and NT.
What is Lenders Mortgage Insurance (LMI) and when do I need it?+
LMI is an insurance premium paid by the borrower that protects the lender if you default on your mortgage. It's required when your Loan-to-Value Ratio (LVR) exceeds 80% — meaning your deposit is less than 20% of the property price. LMI can cost between $5,000 and $35,000+ depending on the loan size and LVR. Our LMI Calculator estimates the cost for your situation.
How do I calculate rental yield on an Australian investment property?+
Gross rental yield is calculated as annual rent divided by purchase price, multiplied by 100. Net rental yield subtracts all ongoing costs (management fees, rates, insurance, maintenance, vacancy allowance) before dividing. For example, a $700,000 property renting at $500/week ($26,000/year) has a gross yield of 3.7%. After costs of $7,000, the net yield drops to 2.7%. Use our Detailed Rental Yield Calculator for the full breakdown.
Is negative gearing still worth it in Australia in 2025-26?+
Negative gearing makes financial sense when the expected capital growth of the property exceeds the after-tax cost of the annual loss. The tax benefit of negative gearing is larger for investors in higher marginal tax brackets (45% + 2% Medicare Levy). At lower income levels, the tax saving is smaller. Our Negative Gearing Calculator models both the annual tax benefit and the break-even capital growth rate.
Do stamp duty calculators cover all Australian states?+
Yes. BizMetrixs has both a general Stamp Duty Calculator covering all states and dedicated calculators for NSW, QLD, and SA. All calculators are updated for current rates including first home buyer concessions, foreign buyer surcharges, and off-the-plan duty concessions where applicable.