Calculator

Long-Term Hold ROI

Live results

All core assumptions stay above the fold, with percentage fields editable as percentages.

Property

Acquisition price and starting rent assumptions.

Purchase priceContract price before deposit and stamp duty.Weekly rentGross weekly rent in year 1.

Finance

Leverage and repayment settings for the hold model.

Deposit%Percent of the purchase price paid upfront.Stamp duty%Manual estimate as a percentage of price.Interest rate%Nominal annual interest rate on the loan.Loan term yearsLength of the amortising loan.

Income and costs

Operating expenses and rent growth used in the annual projection.

Agent fee%Management fee charged against rent collected.Rent growth%Annual increase applied after year 1.Body corp / strataAnnual owners corporation or strata cost.Water and ratesAnnual council, water, and similar charges.

Exit assumptions

Model sale timing and value growth. Tax, refinancing, and offset assumptions stay out of scope for v1.

Capital growth%Annual property value growth through the chosen exit year.Selling costs%Agent, marketing, and sale friction deducted at exit.Exit yearWhole-number year when the property is sold.

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Scenario summary

Year 1 carry, sale assumptions, and exit proceeds in one view.

Year 1 cashflow-$148,682.11

IRR10.82%

Loan amount$480,000.00

Total invested$144,000.00

Exit property value$806,349.83

Exit net proceeds$385,889.94

Deposit$120,000.00

Stamp duty$24,000.00

Monthly repayment$2,877.84

Interest-only monthly$2,400.00

Year 1 IO cashflow-$142,948.00

Cash received over hold$235,805.72

Exit selling costs$20,158.75

Equity at exit$406,048.69

Exit row cashflow$385,889.94

Projection chart

Cashflow runs on the left axis. Debt and sale proceeds share the right axis so the hold path stays readable.

P&I cashflow

Loan balance

Exit net proceeds

Active point

Year 10 exit

P&I cashflow$385,889.94

Loan balance$0.00

Exit net proceeds$385,889.94

Annual projection

Operating rows stay separate from the sale-adjusted exit row.

Year	Rent	Property value	Loan start	Interest	P&I cashflow	P&I ROI	IO cashflow	IO ROI
1	$36,400.00	$618,000.00	$480,000.00	-$28,467.84	-$148,682.11	-3.25%	-$142,948.00	0.73%
2	$37,310.00	$636,540.00	$473,933.73	-$28,108.06	-$3,835.81	-2.66%	$1,898.30	1.32%
3	$38,242.75	$655,636.20	$467,507.69	-$27,726.95	-$2,968.35	-2.06%	$2,765.76	1.92%
4	$39,198.82	$675,305.29	$460,700.52	-$27,323.23	-$2,079.21	-1.44%	$3,654.90	2.54%
5	$40,178.79	$695,564.44	$453,489.64	-$26,895.57	-$1,167.84	-0.81%	$4,566.27	3.17%
6	$41,183.26	$716,431.38	$445,851.10	-$26,442.54	-$233.68	-0.16%	$5,500.43	3.82%
7	$42,212.84	$737,924.32	$437,759.53	-$25,962.64	$723.83	0.5%	$6,457.94	4.48%
8	$43,268.16	$760,062.05	$429,188.06	-$25,454.29	$1,705.28	1.18%	$7,439.39	5.17%
9	$44,349.87	$782,863.91	$420,108.24	-$24,915.78	$2,711.26	1.88%	$8,445.37	5.86%
10	$45,458.61	$806,349.83	$410,489.91	-$24,345.34	$3,742.40	2.6%	$9,476.51	6.58%
10 exit	$0.00	$806,349.83	$400,301.14	$0.00	$385,889.94	267.98%	$306,191.08	212.63%