Hold vs sell
Investment property calculator
Use your own estimates to compare cash flow from holding the property against the cash you may release by selling. The numbers are indicative only.
Sale outcome
These numbers move when sale price, selling costs or loan balance changes.
Hold outcome
These numbers move when rent, expenses, interest, loan balance or vacancy changes.
Scenario comparison
These compare selling now with holding under your growth assumptions.
This calculator is a general education tool only. It does not include your full tax position, depreciation history, capital gains tax discounts, refinancing costs or personal advice. Speak with your accountant, tax adviser, lender and agent before making a decision.
Calculator field guide
Sale price estimate
The price you think the property could sell for before selling costs, loan payout or tax. A current appraisal can make this estimate more useful.
Remaining loan
The approximate amount still owing on the investment property loan. Use the current payout figure if you have it.
Selling costs
Estimated costs of selling, such as agent fees, marketing, conveyancing and other sale-related expenses.
Purchase price / cost base
Your original purchase price or estimated cost base before tax-specific adjustments. Confirm your true cost base with your accountant.
Capital works or improvements
Estimated eligible improvements or capital works that may affect your cost base. Tax treatment can vary depending on your records and depreciation history.
Weekly rent
The current or expected weekly rent before allowing for vacancy.
Annual expenses
Estimated yearly non-loan costs such as rates, insurance, management fees, maintenance, strata and compliance.
Interest rate
The annual interest rate used to estimate holding cost on the remaining loan balance.
Vacancy allowance
A percentage allowance for weeks the property may be vacant or not producing rent.
Expected annual growth
Your estimate of annual property value growth if you hold the property. This is a scenario input, not a forecast.
Expected rent growth
Your estimate of yearly rent increase if you keep leasing the property.
Estimated net sale proceeds
Estimated sale price minus selling costs, before loan payout and tax.
Equity released
Estimated cash released after selling costs and repaying the remaining loan, before tax.
Annual cash flow if held
Estimated yearly rent after vacancy, expenses and interest cost, before tax.
Monthly cash-flow gap/surplus
The annual cash-flow estimate divided by 12 to show the monthly surplus or shortfall.
Estimated taxable gain before discounts/tax advice
A simplified gain estimate before CGT discounts, depreciation adjustments and personal tax advice.
12-month hold comparison
A simplified comparison of holding for 12 months versus selling now, based on value growth and cash-flow assumptions.
36-month hold comparison
A simplified comparison of holding for 36 months versus selling now, based on compound growth and cash-flow assumptions.