Property Investment Analysis
A 40-year after-tax cash flow, equity and return projection for a residential investment purchase — current 2024–25 ATO tax scales and Division 40/43 depreciation. Adjust any input on the left and the projection updates instantly.
About −$148/week to hold in year one, around $222,695 profit after CGT at 10 years, on an after-tax return of 7.2%.
Who pays the holding cost?
Year-1 gross holding cost $47,433
Property value, equity & loan
After-tax cash flow per year
Equity vs cash invested vs savings alternative
Loan balance
Estimates only — not financial or tax advice. Methodology follows the PIA Pro v7.3 model with current 2024–25 ATO tax scales, ATO Division 43 (2.5% capital works) and Division 40 (diminishing value) depreciation. CGT applies the 50% individual discount only when held more than 12 months and writes Division 43 claims back into the cost base. State duties and land tax are general-rate estimates and are overridable. Every projected figure rests on the growth, rent and rate assumptions shown in its ⓘ note. Verify with a licensed adviser.