Set the yearly income you want and see how many investment properties it could take. The plan: buy them, let them grow, sell some at retirement to clear every loan, and live off the rent from the rest.
Each property grows at your rate until you retire. Its rent is that value times the yield, less your costs.
At retirement, enough properties are sold to repay every loan. The rest are kept debt free, and their rent must reach the income you want. The calculator finds the smallest number that works.
Capital gains tax when you sell, and tax on the rent, change the result. From 1 July 2027 the CGT rules change.
Agent fees, stamp duty and other costs are not included.
Buying all the properties at once is a simplification. Real portfolios are built over years.
We have secured 75 investment properties for clients, 84% of them off market or pre market. Book a strategy call and we'll run your plan with you.
It depends on the income you want, how long until you retire, growth, yield and how much you borrow. This calculator shows one common plan: sell some properties at retirement to clear the debt and live off the rest.
Yes. Tax on rent and on any capital gains will reduce it. Speak with your accountant.
Try a low, middle and high rate and plan around the low one. Past growth is not a reliable indicator of future growth.
More investor calculators: Property growth calculator · Cashflow calculator · Capital growth calculator
General information only. This calculator is not financial advice and does not forecast prices. Past performance is not a reliable indicator of future performance.
