Property Calculators in Australia: Where to Find Useful Tools

Why Property Calculators Are Helpful – and Their Limits

Property calculators can be useful for quickly exploring different scenarios – for example, estimating how much stamp duty might be payable in a particular state, or how loan repayments change if interest rates move. However, calculators rely on assumptions and inputs, which may not fully match your personal circumstances or the latest rules.

As a result, calculators are usually best used as an initial guide. Final figures should be confirmed using official tools or directly with state revenue authorities, lenders, the Australian Taxation Office or your professional advisers.

Stamp Duty Calculators – State and Territory Revenue Offices

Stamp duty (sometimes called transfer duty) is a state-based tax on certain property transactions. Because each state and territory sets its own rules, thresholds and rates, the most reliable stamp duty calculators are usually found on the official websites of state and territory revenue offices.

Examples of where you would typically find official or semi-official stamp duty calculators include:

• Revenue NSW – transfer duty calculator for New South Wales
• SRO Victoria – stamp duty calculator for Victorian property
• Queensland Revenue Office – transfer duty estimator for QLD
• RevenueSA, RevenueWA, State Revenue Office Tasmania and other state/territory revenue sites

When using these calculators, make sure you select the correct property type (for example, principal residence vs investment) and input details accurately. If you are unsure, your solicitor, conveyancer or tax adviser can help you interpret the results.

Land Tax Calculators – State and Territory Revenue Offices

Land tax is also administered by state and territory revenue authorities. Some provide online land tax calculators or example tables to help property owners understand potential land tax liabilities.

Examples of where land tax information and calculators are often found include:

• Revenue NSW – land tax information and, in some years, online calculators or example tables
• SRO Victoria – land tax information and calculators for different landholder types
• Queensland Revenue Office and other state/territory revenue sites for their respective land tax rules

Our land tax in Australia overview explains, at a high level, how land tax is treated in different jurisdictions, but official calculators and your own tax adviser are the right place to confirm actual numbers.

Loan Repayment and Borrowing Power Calculators

Many banks, lenders and mortgage brokers host home loan repayment calculators and borrowing power calculators. These tools allow you to:

• Estimate monthly repayments for different loan sizes and interest rates
• Explore how different deposit sizes or loan terms affect your repayments
• Get a rough idea of how much a lender might be willing to lend, based on general income and expense inputs

These calculators are generally useful as starting points. However, only a formal assessment from a lender or broker can confirm whether you meet a particular bank’s criteria. Our Home Loan Basics and Loan Pre-Approval resources provide more general background about finance preparation.

Capital Growth Calculators and Projection Tools

Some websites offer capital growth calculators or property growth estimators that show how a property's value might change over time based on an assumed annual growth rate. These tools are usually hypothetical – they cannot predict actual future performance.

Typical inputs might include:

• Current property value or purchase price
• Assumed average annual growth rate (for example, 3–5%)
• Number of years you plan to hold the property

The outputs are mathematical projections only. They do not reflect actual market behaviour or guarantee any outcome. If you choose to use this type of calculator, it is important to treat the results as illustrative and to discuss your strategy with a licensed financial adviser who understands your broader plan.

Cash Flow, ROI and Investment Property Calculators

Other popular tools include investment property calculators that estimate cash flow, gross yield, net yield or return on investment (ROI). Inputs may include purchase price, rent, interest rate, land tax, council rates, strata fees and other costs.

While these calculators can help you understand how different variables impact your cash flow on paper, they may not capture every real-world cost or tax implication. Figures such as depreciation, tax offsets and future capital gains tax are particularly complex and should be discussed with an accountant or financial adviser.

Our guide on thinking about where to buy investment property in Australia outlines a high-level framework for comparing locations, which can be used alongside cash flow modelling prepared with your adviser.

How a Buyers Agent Fits In with Online Calculators

A buyers agent does not design or certify property calculators, but they can help you use them in a structured way. For example, a buyers agent in Sydney can:

• Help you identify which numbers to feed into calculators (for example, more realistic rent ranges or typical strata costs in a given suburb)
• Compare multiple properties across Sydney from a practical perspective while your accountant or adviser refines the financial modelling
• Work alongside your professional advisers so that the calculator-based scenarios you explore are grounded in real market conditions

Our property buyer checklist and Working with a Buyers Agent resources provide additional structure for coordinating your search, inspections and professional advice.