Free decision tools
Melbourne property calculators
Seven free calculators to turn a big decision into numbers you control — buy vs rent, total cost, repayments, cashflow, and the stress tests that reveal the downside before you're exposed to it. Educational estimates only, in AUD.
Which calculator should I use?
Start with the question that matches your decision.
Buy vs Rent
Should I rent near campus or buy? Compare the total cost of renting against a resaleable purchase.
Jump to calculator →Total Acquisition Cost
What will it really cost to buy? Stamp duty, legal, inspection, bank fees and a buffer, all in.
Jump to calculator →Mortgage Repayment
What are the monthly repayments? Enter loan, rate and term.
Jump to calculator →Monthly Cashflow
Will it be cashflow positive? Rent in vs all holding costs out.
Jump to calculator →Interest Rate Stress Test
Can I hold if rates rise? Compare repayments and cashflow across stressed rates.
Jump to calculator →Vacancy Stress Test
What if it sits empty longer? See the rent-loss and cashflow impact.
Jump to calculator →FX Sensitivity
How do currency swings change my real cost? Model AUD moves in SGD and RMB.
Jump to calculator →Buy vs Rent
Should I rent near campus or buy? Compare the total cost of renting against a resaleable purchase.
Buy vs Rent Calculator
Educational estimate only. This is simplified and does not replace professional advice.
Total Acquisition Cost
What will it really cost to buy? Stamp duty, legal, inspection, bank fees and a buffer, all in.
Total Acquisition Cost Calculator
Educational estimate only. Taxes and fees vary by circumstances.
Mortgage Repayment
What are the monthly repayments? Enter loan, rate and term.
Mortgage Repayment Calculator
Educational estimate only. Check with a licensed lender or broker.
Monthly Cashflow
Will it be cashflow positive? Rent in vs all holding costs out.
Monthly Cashflow Calculator
Educational estimate only. General information only. Not financial, legal, or tax advice.
Interest Rate Stress Test
Can I hold if rates rise? Compare repayments and cashflow across stressed rates.
Interest Rate Stress Test
Compares monthly repayment and monthly cashflow across base and stressed interest rates.
Vacancy Stress Test
What if it sits empty longer? See the rent-loss and cashflow impact.
Vacancy Stress Test
Compares a base vacancy scenario against a stressed vacancy scenario to show rent loss and cashflow impact.
FX Sensitivity
How do currency swings change my real cost? Model AUD moves in SGD and RMB.
FX Sensitivity Calculator
Educational estimate only. FX rates fluctuate.