Rentvesting Simulator
Compare buying a home vs renting + investing over 30 years to find the optimal strategy.
Buy to Live In
$800,000
$160,000
6.2%
5%
Rentvesting
$2,400
3%
$600,000
$120,000
4.5%
5.5%
30 Years
π 30-Year Net Wealth Comparison
RENTVESTING Net Wealth
$3,471,483
Buy to Live Net Wealth
$3,420,125
π RENTVESTING Wins
+$51,358
π€AI Insights (Coming Soon)Coming Soon
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