Australian Property Investment Master Toolkit 2026
19 integrated calculators. Enter your property details once — everything updates automatically.
Built specifically for Australian investors. Stamp duty all 8 states. 2026 tax brackets. Investment Grade Score. Stress test. Side-by-side comparison. Yours forever.
One-time payment · Instant delivery
Secure checkout via Gumroad
Stop entering the same numbers over and over
Most spreadsheets and online calculators make you re-enter your property details for every single calculation. Change your interest rate assumption and you're updating 8 different cells across 8 different tabs.
The Master Toolkit is different. Fill in your property details once on the HUB sheet — and all 19 calculators update instantly.
What makes it different
Six things you won't find in any free calculator
Enter Once, Everything Updates
Fill in your property details on the HUB sheet — purchase price, loan details, rent, expenses — and all 19 calculators update instantly. No copy-pasting the same numbers across 10 different tools.
Investment Grade Score
Your Dashboard assigns an A–F letter grade based on five weighted criteria: gross yield, LVR safety, cash flow position, interest rate buffer, and tax benefit. Know at a glance whether the deal is worth pursuing.
Stress Test Matrix
See your cash flow across 54 combinations of interest rate changes (−1% to +3%) and vacancy scenarios (0 to 10 weeks). Know exactly what rate you break even at — before you buy.
Side-by-Side Comparison
Comparing two properties? The Comparison sheet runs both through 13 metrics and flags the winner on each one. Yield, stamp duty, monthly repayment, tax benefit, 10-year value — all at a glance.
Real Weekly Cost (After Tax)
The Negative Gearing sheet shows your real weekly out-of-pocket cost after the ATO tax refund — not just the gross shortfall. Most investors are surprised how affordable the holding cost actually is.
All 8 States Built In
Stamp duty calculations for NSW, VIC, QLD, WA, SA, TAS, ACT and NT are embedded using current 2026 rate schedules. Select your state and the number updates — no manual lookups.
What's inside — all 19 sheets
Every sheet is pre-built and ready to use
PROPERTY HUB
Enter once — feeds all 18 other sheets automatically
DASHBOARD
Complete investment snapshot with Investment Grade Score (A–F)
COMPARISON
Side-by-side analysis of two properties with winner flags
LOAN STRUCTURE
IO vs P&I, offset account impact, IO expiry cliff warning
STRESS TEST
9 rate scenarios × 6 vacancy scenarios — pre-tax and after-tax
BORROWING POWER
Max borrowing, DTI ratio, serviceability buffer
ACQUISITION COSTS
Stamp duty all 8 states, LMI, legal fees, total day-1 cash
CASH FLOW
Weekly pre-tax and after-tax cash position
NEGATIVE GEARING
ATO tax benefit by bracket, PAYG variation, weekly cost
TAX SUMMARY
Tax-time ready: all deductions collated in one place
DEPRECIATION
Division 40 + 43, QS schedule projections, 10-year tax saving
CGT EXIT
Capital gains tax on sale, 50% discount, net proceeds
EQUITY UNLOCK
Usable equity at 80% LVR, next property buying power
GROWTH
10, 20 and 30-year value and equity projections
LAND TAX
Annual liability across all 8 states and thresholds
PORTFOLIO
Track up to 4 properties with combined tax position
RENT VS BUY
20-year wealth comparison — buy vs invest the difference
RETIREMENT
Properties needed to reach your target retirement income
SMSF
Self-managed super fund property analysis (LRBA structure)
Who it's built for
First-time investors
Running the numbers on your first property? The HUB feeds everything — you'll know your stamp duty, weekly cost, tax benefit and break-even rate before you make an offer.
Experienced investors comparing deals
Load Property A from your hub and enter Property B manually. The Comparison sheet flags the winner on every metric — yield, LVR, monthly repayment, 10-year value.
Investors worried about rate rises
The Stress Test matrix shows your pre-tax and after-tax cash flow at every combination of rate change and vacancy. Know your break-even rate before you commit.
Investors building a portfolio
The Portfolio Builder tracks up to 4 properties with combined equity, debt, rent, and tax position. See your total land tax liability across multiple states.
How delivery works
Purchase via Gumroad
Secure checkout. One-time payment of $19.99 AUD. No subscription, no recurring charges.
Receive your link instantly
Gumroad emails you a "Make a copy" link immediately after purchase.
Save to your Google Drive
Click the link, click "Make a copy" — the sheet is now yours. No sharing, no access controls — it's your private copy.
Start on PROPERTY HUB
Fill in your property details on the first sheet. All 19 calculators update in seconds.
Get the Master Toolkit
19 integrated calculators. Yours forever. $19.99 AUD.
$19.99
AUD · One-time · No subscription
- ✓ 19 integrated Google Sheets calculators
- ✓ Investment Grade Score (A–F)
- ✓ Side-by-side property comparison
- ✓ 9-rate × 6-vacancy stress test matrix
- ✓ Stamp duty all 8 Australian states
- ✓ Portfolio Builder — up to 4 properties
- ✓ Instant delivery via Google Sheets
- ✓ Yours to keep forever
Secure payment via Gumroad · No account needed
Already use the free calculators on this site? They're still free. The toolkit is for investors who want everything integrated in one offline-capable sheet.
Frequently asked questions
What format does the toolkit come in?
Google Sheets. After purchase you receive a link to make your own private copy — it lives in your Google Drive and you own it forever. You can also download it as an Excel (.xlsx) file if you prefer.
Do I need any special software?
No. Google Sheets is free and works in any browser. A Google account is required to make a copy. If you prefer Excel, download the file after making your copy.
How is this different from the free calculators on the website?
The free online calculators each work in isolation — you enter data separately for each one. The toolkit is integrated: enter your property details once on the HUB sheet and all 19 calculators update automatically. It also includes tools not available online — the Stress Test matrix, Investment Grade Score, Property Comparison, Portfolio Builder, and SMSF sheet.
Is this kept up to date?
Yes. The toolkit uses 2026 tax brackets, stamp duty rates, and land tax thresholds. If you purchase and rates change, you can adjust the underlying inputs in the HUB sheet.
Can I use it for multiple properties?
Yes. The Portfolio Builder tracks up to 4 properties simultaneously. The Comparison sheet lets you analyse two properties side by side. For each new property you consider, update the HUB sheet with the new details.
Is there a refund policy?
Because this is an instant-delivery digital product, we do not offer refunds. If you have a technical issue accessing your sheet, contact us at hello@propertyinvestmentprofessionals.com.au.
Important disclaimer
This toolkit is for educational and general guidance purposes only. It is not financial, tax, legal, or investment advice. Calculations are estimates based on publicly available rate schedules. Tax laws change frequently and individual circumstances vary. Always consult a licensed financial advisor and qualified accountant before making property investment decisions. PropertyInvestmentProfessionals.com.au accepts no liability for decisions made based on these calculations.
Want personalised property investment advice?
Our advisors can help you analyse properties, optimise your tax position, and build a winning investment strategy.
Or call 02 9099 5636