Free tools
The calculators the banks should have built.
No signup. No email capture. Every rate, formula, and assumption is mechanical — and shown. Use them once, or use them every week. New tool each Friday.
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Strategy
Buying power calculator
How much can you actually buy? Borrowing capacity + deposit + LMI + Home Guarantee Scheme + stamp duty — four scenarios side-by-side, with the tradeoffs visible.
Open toolSettlement
Stamp duty calculator
All 8 Australian states at once. First-home-buyer concessions modelled. Foreign purchaser surcharge flagged. Every rate links to the exact section of the state's Duties Act.
Open toolInvestment
Rental yield calculator
Gross and net yield. Break-even rent. Rate-stress at +100bps. Negative-gearing tax-adjusted effective yield. Every assumption shown, every input overridable.
Open toolTax
Capital gains tax calculator
50% discount, main residence exemption, 6-year absence rule, depreciation recapture, partner split — every ITAA 1997 section cited. Sell now or wait is shown side-by-side.
Open toolTax
Negative gearing calculator
Div 40 diminishing-value + Div 43 capital works + borrowing cost amortisation + marginal-rate refund + CGT recapture warning. Every ITAA 1997 section cited.
Open toolStrategy
Cashflow projector (10-year)
The full 10-year table — rent indexation, loan amortisation, depreciation decay, CGT at year-10 sale, IRR solved from your cashflow. Three named scenario bands, not a single number.
Open toolBeyond the calculator
Have Compass take it from here.
A number from a calculator is the start. Ask Compass to translate it into a buying decision — same data, cited reasoning, named specialist.
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What's missing from your research stack?
We ship one tool each Friday. What would save you the most time in your current buying or portfolio-management work?
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