Investment Property Holding Cost Calculator built for Australian buyers agents and brokers
Show property investors the real weekly cost of holding a property — both before tax and after negative-gearing benefits. Capture qualified investor leads with a branded, embeddable calculator.
Regional unit — $480/wk rent — $380k loan3 hrs ago
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No credit card required
2025-26 ATO rates built in
Privacy-first lead capture
Built for Australian buyers agents
60-second setup
Try the calculator
See the real weekly holding cost
Enter the purchase price, loan, rent, running costs, depreciation and marginal tax rate. The calculator shows the pre-tax holding cost and the lower after-tax cost side by side.
This is a price indication only. Our team will be in touch to confirm the final price after assessing the job.
*This is an estimate only and not tax or financial advice. A registered accountant will confirm your actual position.
Step 1 of 6 — Property & Loan
1Property & Loan
2Rental Income
3Running Costs
4Management & Upkeep
5Tax Position
6Your Details
Property & loan
Purchase price and the investment loan it carries
$AUD
$AUD
%
Investment Property Holding Cost Calculator · powered by LeadkitPowered by Leadkit
This is the live calculator — try it now
Instant Notifications
Know the Moment a Lead Arrives
The second someone completes your calculator, you get a celebration notification with their full details — name, contact, project info, and estimated value.
Real-time alerts — no refreshing needed
Full customer details at a glance
One click to view the complete lead
Score and value calculated automatically
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Your first lead just arrived!
Someone just requested an estimate on your website — their details have been captured and a new lead is ready in your dashboard.
Answer a few questions about your project and get a price range in under 60 seconds.
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How many rooms need painting?
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Smith Painting Co. · SydneyPowered by Leadkit
Your brand, your page. Ready to share in 60 seconds.
Everything you need
Capture investor leads on autopilot
Investor lead capture
Collect name, email, phone and suburb from every investor who runs the calculator. Soft capture keeps the experience frictionless and the report lands in their inbox.
Pre vs post-tax, side by side
The feature most holding-cost calculators miss: the after-tax weekly cost next to the pre-tax figure, so investors see the real number.
Branded PDF report
Every report generates a professional PDF with your logo, ABN and contact details — ready for the investor to share with their accountant.
SEO landing page
Your calculator gets its own search-optimised page targeting 'investment property holding cost calculator' and related investor queries.
Your rates and branding
Customise the accent colour, logo and default values. The calculator looks like part of your own website.
Embed anywhere
Add the calculator to your WordPress, Webflow, Squarespace, Wix or Shopify site with a single code snippet.
Three steps
How Leadkit works for buyers agents
~2 min
1. Pick your calculators
Choose from 200+ calculators across 112 trades — bathroom reno, kitchen, decking, painting, landscaping, fencing, more.
Bathroom renovation
Kitchen renovation
Decking
~5 min
2. Set your rates & brand
Upload your logo, set your day rate, tiling rate, fixture markups. Or use our smart defaults and tweak later.
Tiling rate$480/m²
Day rate$1,200/day
Fixture markup35%
~1 min
3. Embed or share your link
Drop one line of code on your website, or just share your free Leadkit page link. Leads start flowing in.
Tradies who stopped chasing leads and started winning them. In their own words.
“
Set it up Tuesday. By Friday I had three quote requests in my inbox. One turned into a $14,200 bathroom job. Pays for itself ten times over.
4 → 31
Quote requests per month
$74,400
In booked jobs · 90 days
5×
Pipeline vs. before
DK
Dan K.
Bathroom Renovator · Brisbane · On Leadkit since Jan 2026
Return on investment
Every calculator visit is a potential investor lead
Investors searching 'how much does it cost to hold an investment property' are deep in the research phase. Capture them at the moment of highest intent.
300
35%
$25k
With Leadkit, you'd earn
$578k/month extra
Based on a 8.3× uplift over a plain contact form, applied to your inputs.
All prices in AUD · GST inclusive · Cancel any time, no calls or forms
Common questions
What others asks before signing up?
How much does it cost to hold an investment property in Australia?
Holding cost is loan interest plus running costs (council rates, strata, insurance, property management, maintenance and land tax) minus the rent you receive. For a typical $600,000 loan on a $600/week property it is commonly $300–$430 per week before tax, falling to roughly $130–$240 per week after negative-gearing tax benefits. This calculator gives you an instant estimate for your own figures — your accountant confirms the final position.
What is the difference between the pre-tax and post-tax holding cost?
The pre-tax holding cost is the cash you are out of pocket before any tax effect — interest plus expenses minus rent. The post-tax holding cost adds in the tax benefit: because a negatively geared property runs at a loss (once interest, expenses and depreciation are counted), that loss reduces your taxable income, so you get some of the cost back at your marginal tax rate. The post-tax figure is the real cost of holding. This is an estimate only and not tax or financial advice.
How does depreciation change the holding cost?
Depreciation (Division 40 plant and equipment plus Division 43 capital works) is a non-cash deduction — it does not come out of your pocket each week, but it increases your rental loss on paper, which increases your tax refund. So depreciation lowers your post-tax holding cost without changing your pre-tax cash cost. A quantity surveyor prepares the formal depreciation schedule.
How accurate is this calculator?
It uses the figures you enter and the 2025-26 ATO marginal tax rates (including the 2% Medicare levy), so the maths is accurate for your inputs. Individual circumstances vary — your actual marginal rate can be affected by other income, offsets, HECS-HELP and private health insurance — so a registered accountant will confirm your actual position.
Can I add this calculator to my WordPress, Webflow, Squarespace, Wix or Shopify site?
Yes — embed it on any website with a single code snippet. The calculator inherits your branding, logo and contact details. If you do not have a website, Leadkit generates a free hosted page you can share directly.
What do I get when an investor fills out the calculator?
You receive an email notification with the investor's name, phone, email, suburb and the full holding-cost inputs — purchase price, loan, rent, running costs, depreciation and tax rate. A branded PDF report is attached and every lead is scored so you can prioritise callbacks.
Do I need my own website to use this?
No. Leadkit generates a free hosted page for every calculator you create. Share the link on social media, in email signatures or in investor newsletters, and embed it on your own site when you are ready.
Is Leadkit really free?
Yes. Free lets you add up to 3 calculators to your website and receive 10 leads per month — no credit card. Every lead beyond the cap is still captured and held for you; upgrading to Pro ($29/mo) opens them all retroactively and removes the cap.
Do I need to know how to code?
No. You get an embed code (one line of HTML). Paste it into your website builder — Wix, Squarespace, WordPress, or any custom site. That's it.
How accurate are the price estimates?
You configure the calculator formulas to match your actual pricing. Leadkit provides the framework; you set the numbers. Estimates can be as detailed or as rough as you like.
What happens with lead data?
All lead data is stored securely in your workspace. You own it. We never sell or share your leads with anyone.
Can I use Leadkit as an agency for multiple clients?
Yes — our Agency plan lets you create and manage separate workspaces for each of your clients, all from one dashboard.
What's the difference between the plans?
Free: up to 3 calculators, 10 leads/month (over-cap leads held + locked until upgrade). Pro: unlimited leads, unlimited calculators, white-label, branded email sending, analytics, email templates. Agency: everything in Pro plus multi-workspace management.
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Start capturinginvestor leads today
Investors researching holding costs are weeks away from buying. Be the buyers agent or broker whose calculator they find first.
Understanding investment property holding costs in Australia
The section below is for homeowners researching investment property holding costs. We break down how prices are calculated, show current Australian averages, and answer the questions we hear most. Every number reflects real 2026 rates from Australian tradies — not marketing fluff.
Based on AU market ratesGST includedUpdated for 2026
For property investors
See the real weekly cost of holding
Get an instant estimate of what an Australian investment property really costs to hold — before tax and after negative-gearing benefits. Enter your rent, loan and running costs and see both figures in seconds. Your accountant confirms the final numbers.
Pre-tax and after-tax weekly cost side by side
2025-26 ATO marginal rates and Medicare levy built in
Depreciation tax benefit calculated automatically
Free to use — no sign-up required
For buyers agents and brokers
Stop rebuilding spreadsheets for every investor enquiry
Let investors self-qualify with real holding-cost data. Capture their purchase price, loan, rent and tax bracket — then follow up with the clients worth your time.
Your rates, your branding, your details on every PDF
Lead score helps prioritise callbacks
Free for up to 5 calculators — upgrade for unlimited
Works on WordPress, Webflow, Squarespace, Wix and Shopify
How it works
How this holding cost calculator is calculated
This calculator produces an estimate of the weekly and annual cost of holding an investment property, shown before tax and after negative-gearing benefits. It is an estimate only and not tax or financial advice — your accountant will confirm the final figures after reviewing your circumstances.
GST handling: Residential rental income is input-taxed for GST purposes. Landlords do not charge GST on rent and cannot claim GST credits on most residential rental expenses, so this calculator does not add GST. Property management fees quoted to you usually already include GST.
1
Annual rental income
Weekly rent multiplied by occupied weeks (52 minus vacancy weeks). This is the gross rent before any costs.
weekly_rent × (52 − vacancy_weeks)
2
Loan interest and cash expenses
Interest is the loan amount times the interest rate. Cash expenses add council rates, strata, landlord insurance, the property management fee (a percentage of rent), maintenance and land tax.
Loan interest plus all cash expenses minus the rent received. Depreciation is excluded here because it is a non-cash deduction and does not affect your weekly cash flow.
loan_interest + cash_expenses − annual_rent
4
Tax benefit from negative gearing
Total deductions (interest, cash expenses and depreciation) minus rent gives the rental loss. That loss multiplied by your 2025-26 marginal tax rate (including the 2% Medicare levy) is the tax you get back. A rental profit instead adds tax.
The pre-tax holding cost minus the net tax benefit, converted to a weekly figure. This is the real cost of holding the property after the ATO contribution.
Typical investment property holding costs across Australia 2025-26
Holding costs vary with loan size, rental yield, strata, depreciation and your marginal tax rate. These scenarios are illustrative, built from the methodology above using typical 2025-26 investor interest rates (~6.2%), a 32%–47% marginal rate and published council / strata / management cost ranges.
Average costs by job type across Australia, 2025-26
Job type
Low
Average
High
Unit
Metro apartment — $650k loan, $560/wk rent
-$423/wk
~$9,600/yr saved
-$239/wk
After tax, 32% rate
Suburban house — $600k loan, $620/wk rent
-$248/wk
~$6,000/yr saved
-$131/wk
After tax, 32% rate
Regional unit — $380k loan, $480/wk rent
-$139/wk
~$3,600/yr saved
-$70/wk
After tax, 32% rate
Premium apartment — $800k loan, high earner
-$535/wk
~$18,700/yr saved
-$175/wk
After tax, 47% rate
Source: ATO rental deductions guide, Moneysmart, typical state revenue and CoreLogic cost ranges
Sydney and Melbourne properties typically have lower yields and larger loans, so holding costs are higher. Regional and higher-yield properties can approach neutral or positive gearing, where the after-tax figure is a small cost or even a gain.
