The same engine our $5–$39 reports use, broken out into free tools. APRA-compliant, state-aware, no spreadsheet duct-tape. Use them as much as you like.
2025–26 slab tables for every Australian state and territory. Owner-occupier (PPOR) and investor rates. Compare side-by-side which state has the cheapest duty for your purchase price.
Gross yield, net yield (after holding costs), and cash-on-cash return (after vacancy + management). Three numbers your spreadsheet probably gives you one of.
DTI cap (6× income) and APRA serviceability buffer (rate + 1.5pp) — we show which one binds your borrowing limit and what target price four different deposit scenarios put within reach.
Full investment property cashflow with negative-gearing math at your marginal tax rate. Weekly out-of-pocket BEFORE and AFTER the tax refund — most calcs only show pre-tax.
CGT on a future sale — 50% discount if held over 12 months, marginal rate stacking, PPOR exemption. The number the ATO wants when you sell an investment property.
Monthly, fortnightly, or weekly repayments. Total interest over the loan. Year-5 and Year-15 balance snapshots. The math behind every mortgage quote you'll receive.
Compare up to 3 loans head-to-head. Headline rate, fees, total cost over your term. We automatically highlight the cheapest — and show how much you'd save vs the most expensive option.
Year 1 capital works (Div 43, 2.5% straight-line) + plant & equipment (Div 40, diminishing value) deductions on an investment property. 10-year cumulative tax saving estimate.
For a specific property, the Full Second Opinion runs all of these calculators plus the suburb cycle, comparable sales, demographics, and APRA stress test across 7 rate scenarios. One 19-page PDF, $39 — easy to share with your buyer's agent, broker, or conveyancer.
Get your report — $19 →For a specific property, the Full Second Opinion runs all these calculations plus suburb cycle + APRA stress test. One 20-page PDF — $39.