Free Australian Property Calculators
Four essential calculators for Australian property buyers and investors — completely free with no account required. Calculate stamp duty for any state, model mortgage repayments, estimate capital gains tax liability, and see your negative gearing tax benefit.
Stamp Duty Calculator — All 8 States & Territories
Stamp duty (also called transfer duty) is the biggest upfront cost when buying property in Australia, typically ranging from 3% to 5.5% of the purchase price. Rates vary significantly between states, and concessions for first home buyers can reduce or eliminate the liability entirely.
Our calculator covers all 8 Australian states and territories: New South Wales (NSW), Victoria (VIC), Queensland (QLD), Western Australia (WA), South Australia (SA), Tasmania (TAS), the Australian Capital Territory (ACT), and the Northern Territory (NT). It includes:
- Standard residential rates and thresholds
- First Home Buyer exemptions and concessions (where applicable)
- Foreign buyer surcharges (applies in NSW, VIC, QLD, WA, SA)
- Investment property vs principal place of residence distinction
Stamp Duty Quick Reference 2025
- NSW: Up to $14,000 on $500,000 purchase. FHB exemption up to $800,000.
- VIC: Up to $21,970 on $500,000 purchase. FHB concession up to $600,000.
- QLD: Up to $8,750 on $500,000 purchase. FHB exemption up to $500,000.
- WA: Up to $17,765 on $500,000 purchase. FHB exemption up to $430,000.
- SA: Up to $21,330 on $500,000 purchase. No FHB stamp duty exemption.
Mortgage Repayment Calculator
Model your home loan repayments for any loan amount, interest rate, and term. The calculator shows both principal & interest (P&I) and interest-only (IO) repayments, the total interest cost over the loan life, and a full amortisation schedule showing how your balance reduces over time.
Australian home loans typically run for 25–30 years. At a 6.5% interest rate on a $600,000 loan over 30 years, monthly P&I repayments are approximately $3,792. The comparison rate — which includes most fees — gives a more accurate picture of total cost.
Current Average Australian Mortgage Rates (2025)
- Owner-occupier variable: approximately 6.0–6.8% p.a.
- Owner-occupier fixed (2yr): approximately 5.8–6.5% p.a.
- Investor variable: approximately 6.3–7.1% p.a.
Capital Gains Tax (CGT) Calculator
When you sell an investment property in Australia, the profit (capital gain) is added to your taxable income for that year. The key benefit: if you've held the property for more than 12 months, you're entitled to the 50% CGT discount, meaning only half the gain is taxed.
Our CGT calculator lets you input your purchase price, purchase costs (stamp duty, legal fees), sale price, sale costs (agent fees, legal fees), and your marginal tax rate to estimate your after-tax liability.
CGT Worked Example
Buy at $600,000 (+ $25,000 costs), sell at $900,000 (− $18,000 costs): Capital gain = $257,000. After 50% discount = $128,500 added to income. At 37% marginal rate: CGT payable ≈ $47,545.
Negative Gearing Calculator
A property is negatively geared when rental income is less than interest and operating costs. The loss is deductible against your other income (salary, wages), reducing your tax bill. At Australia's top marginal rate of 47% (incl. Medicare levy), every $1 of property loss saves 47 cents in tax.
Our calculator models annual rental income, interest costs, maintenance, property management fees, council rates, and insurance to show your net cash position before and after tax at your marginal rate.