What this is, and what it isn’t.
Australian property maths, in the open. No signup, no email capture, no spin — and no pretending to be a broker.
What this is
PropCalcsis a free calculator suite for Australian residential property. It exists because the existing options are either anchored to one bank’s products (the major-bank calculators), too basic to model real scenarios (most blog calculators), or built on an out-of-date rule set (the federal budget changed negative gearing and CGT in 2026 — most tools haven’t caught up).
Every calculation runs in your browser. Nothing about your loan, income, or property is sent to a server. You can save scenarios locally, share them via the URL, and print or PDF the results — all without an account.
Who it’s for
- First home buyers sizing up stamp duty, borrowing power, and the upfront cash they actually need on settlement day.
- Owner-occupiers comparing fixed vs variable, modelling offset savings, or running the numbers on a refinance.
- Property investors stress-testing cash flow, comparing two properties side-by-side, or working out exactly how the 2026–27 budget changes hit their tax position.
- Sellers deciding between selling now or holding, and comparing agent fee quotes apples-to-apples.
- Accountants and advisers who want a quick client-facing visual to walk through a scenario.
Why “without the spin”
Most property numbers you see online are produced by someone who has a financial interest in your decision — a bank wanting your loan, an agent wanting your listing, a broker chasing a commission, a portal selling ads. The maths is often correct, but the framing isn’t neutral. Headline rates get prominent placement; comparison rates get a footnote. Best-case scenarios are the default; downside scenarios are buried.
PropCalcsdoesn’t sell loans, list properties, or represent a brokerage. We have no incentive to tilt the numbers, and the tools are deliberately built to show the uncomfortable answer when that’s the right one — the true cost of a 95% LVR loan, the years a refinance won’t recoup, the wealth a sale-now-and-invest scenario beats a keep-it scenario by.
How it works under the hood
Calculations
All calculators are implemented as pure-TypeScript engines tested against the published rules. Stamp-duty schedules come from each state revenue office (RevenueNSW, SRO Victoria, QRO, and so on). Mortgage amortisation uses the standard Australian convention of dividing the annual rate by the period count (52, 26, 12) — the same convention major lenders quote. Negative-gearing and CGT modelling uses the legislated mechanics for both the existing rules and the 2026–27 budget reforms.
Live rates
The Live ratesbutton on every calculator pulls from a daily snapshot of the Consumer Data Right (CDR) Banking Product Reference Data feeds — the same data the major lenders publish to comparison sites. The snapshot refreshes nightly via an automated job, so you’re always within 24 hours of the current published rate card.
2026–27 budget changes
The negative gearing, CGT, and portfolio calculators model both the existing rules and the announced reforms from the 2026–27 federal budget. The transitional split for sales that straddle 1 July 2027, the grandfathering carve-out for pre-12-May-2026 acquisitions, and the new-build election are all implemented. See the 2026–27 budget hub for the plain-English explainer.
What it isn’t
PropCalcsis not a credit provider, mortgage broker, financial adviser, accountant, or solicitor. We don’t hold an Australian Credit Licence or an Australian Financial Services Licence. The outputs are general information only and do not constitute personal financial, tax, or legal advice. Material decisions — taking out a loan, selling a property, adopting a tax position — should be confirmed with a licensed professional who knows your full circumstances.
Inputs and rules are kept current, but legislation, lender policy, and state revenue settings change. Always verify against the relevant source before acting on a number.
How we’ll keep the lights on
PropCalcs is independently built and ad-supported. Once traffic justifies it, the site will run Google AdSense and (eventually) clearly-labelled affiliate links to mortgage brokers, conveyancers, and quantity surveyors — allafter a user has used the calculator, never as a condition of seeing the answer. Any change to how leads are handled will be flagged on the homepage and in the privacy policy before it takes effect.
Open by default
The site is built to be cited and embedded. AI crawlers are welcomed (see /robots.txt and /llms.txt). If you’re a journalist, blogger, or assistant writing about Australian property calculations, the methodology notes for each tool are available on the corresponding page and you’re welcome to quote outputs with attribution.
Get in touch
Bug reports, calculation disagreements, requests for new tools, partnership enquiries, privacy or data questions — use the contact form. We aim to reply within a day or two.