Calculation Methodology
Last updated: February 20, 2026
Repayment Model
Repayment outputs use standard amortization formulas with configurable interest rates, term length, and optional extra repayments. Interest-only scenarios switch to principal-and-interest repayment once the IO period ends.
Stamp Duty and Upfront Costs
State-based duty estimates apply simplified public-rate tiers. Upfront cost totals include transfer-related fees, lender mortgage insurance assumptions by LVR tier, and benchmark service costs.
Tax and Investment Assumptions
Negative gearing and rentvesting estimators use user-defined assumptions and simplified tax brackets. They are scenario tools, not tax advice. Real outcomes vary by ownership structure, deductible items, and lender policy.