Rentvesting Simulator
Compare buying a home vs renting + investing over 30 years to find the optimal strategy.
π 30-Year Net Wealth Comparison
AI will generate personalized financial analysis and recommendations in your language based on your inputs. E.g.: "Based on your current income, Rentvesting can generate an extra $300 monthly cashflow..."
Quick Tips
- β’ Australian average property growth is ~5-7%/year
- β’ Sydney average rental yield is ~3-4%
- β’ Deposits under 20% require LMI
- β’ Investment loan rates are usually 0.3-0.5% higher
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Rentvesting Calculator Australia (2026 Guide)
Last updated: February 20, 2026
This calculator compares the 30-year wealth impact of two strategies: buying a home to live in versus renting where you live and buying an investment property elsewhere.
How to interpret results
- Set realistic growth, rent, and interest assumptions.
- Review net wealth curves across the full horizon.
- Compare after-cost cashflow resilience, not only final value.
- Stress test with lower growth and higher rates.
Data sources
- ATO reference materials for tax context
- APRA and public lender guidance for credit context
- Public market data for growth and rent assumptions
If you are testing an investment-property version of rentvesting, check the tax side with the Negative Gearing Calculator.
Official References
Rentvesting outcomes are sensitive to tax treatment assumptions.
- According to the ATO rental property guidance, tax outcomes depend on ownership structure, income, and deductible expenses.
- According to the ATO deductible expenses reference, items such as loan interest, management fees, and repairs can affect after-tax cashflow.
Reviewed: March 3, 2026