Property Ownership Cost Calculator Australia
Australian Property Ownership Cost Calculator — estimate true ownership costs with mortgage, offset savings, rates, strata, insurance, maintenance and more.
Professional Property Ownership Cost Calculator for Australian Homeowners
Calculate your annual holding costs, mortgage interest, and offset savings with Australia's practical property cost calculator. Whether you're buying a home or an investment property, understand the impact of interest‑only periods, offset contributions, and ongoing expenses like rates, strata and insurance.
Features include: loan vs equity tracking, annual and cumulative outgoings charts, mortgage discharge indicator, and flexible assumptions for maintenance, council rates, body corporate, insurance, and water. Perfect for budgeting and long‑term planning in an Australian context.
Explore our other calculators: Investment Loan Calculator for property investment loans, and Franking Credit Calculator for dividend tax benefits.
Property Investment Strategies in Australia
Offset Account Strategy
Offset accounts can significantly reduce your interest payments and loan term. Our calculator shows how regular offset contributions can save thousands in interest and years off your mortgage.
Interest-Only Periods
Interest-only loans can improve cash flow for investors but extend the loan term. Our tool helps you understand the long-term impact of different repayment strategies.
Ongoing Cost Management
Property ownership costs include maintenance, rates, insurance, and strata fees. Our calculator helps you budget for these ongoing expenses and plan for long-term ownership.