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Tools & calculators

A clearer picture.
Before your next move.

What can you afford? What will it cost to hold? How does it fit your plan? Explore the tools behind a considered property decision, from a single investment to your whole portfolio.

Explore the toolsStart with A.R.I.

Built for Australian property investors.

Find your starting pointInvestorKit Edge
InvestorKitYour next decision, clearer.

Room for the next property?

  1. 01Household income
  2. 02Living costs & loans
  3. 03Proposed purchase
Bring it togetherThe cash buffer that remains

Arjun's Affordability Analyser

Explore affordability

Start with a question.Find the tool that helps.

Built by the team behind Australia's #1 buyer's agency.

In the news

Free calculators

Nine free calculators. No sign-up needed.

Nine free calculators for the questions that come before a purchase, from repayments and refinancing to cash at settlement and land tax. Open one with an example filled in, then change the numbers to match yours.

Home loan planner

Repayments, payoff timing and what an offset or extra payments save.

Worked example

Use InvestorKit to work out repayments on a $600k loan at 6.2% over 30 years.

Repayment each month
$3,675
Try this example

Opens the live calculator with these numbers filled in. Change them to match yours.

InvestorKit home loan planner showing repayments of $3,675 a month on a $600,000 loan at 6.2% over 30 years.

All nine calculators

Free on investorkit.app. No account needed.

Your property toolkit

Good questions. Useful tools.

Start with the decision in front of you. A.R.I. is free to access. Explore the wider toolkit available through InvestorKit Edge.

Start here / Free access

A.R.I.

Advanced Rental Income Analyser

Know the holding cost.
Before you hold the keys.

Go beyond the headline rent. Explore property expenses, lending and long-term cash flow, then see what changes when your assumptions do.

  • Rental income and property costs
  • 10 to 30 year cash-flow and growth modelling
  • Scenarios built around your inputs
Explore A.R.I.A.R.I. changelog
InvestorKitA.R.I. / Holding-cost example
The rent is the starting point.What stays
after the costs?
Rent received
$650 / week
Loan interest
−$577 / week
Property costs
−$135 / week
Weekly contribution needed$62
Illustrative, rounded figures. $500,000 interest-only loan at 6%, $7,000 annual costs, 52 weeks of rent. Before tax and principal repayments.

More inside InvestorKit Edge

Sign in to use these. Find your tool, explore it, then create your account.
02 / Affordability

Arjun's Affordability Analyser

What can I comfortably take on?

Bring household income, commitments and a potential purchase together. See the cash buffer left after your next property.

What you can exploreThe cash buffer that remains
03 / Portfolio modelling

ARI Property Workspace

How do my properties work together?

Keep separate inputs for each property, then review their combined cash flow and growth in one workspace.

What you can exploreA combined view of your portfolio
04 / Property tax

Land Tax Calculator

What should I allow for land tax?

Explore estimates for your state or territory and ownership structure. Make the annual cost part of your planning.

What you can exploreAn estimate to plan around
05 / Personal tax

Income Tax Calculator

What does my income look like after tax?

Explore Australian income tax, Medicare levy and HELP repayments. Check the tool's tax year against your circumstances.

What you can exploreA clearer take-home estimate
06 / Financial planning

Savings & Passive Income Calculator

What does my goal look like in numbers?

Explore savings benchmarks, passive income needs and the gross income required to support your plans.

What you can exploreA financial target with context

The context behind the calculations

Numbers are more useful when you know what to ask.

Explore market research and property education alongside your tools. Understand the assumptions before you rely on the result.

Read our research

Free in ChatGPT and Claude

Run the numbers in ChatGPT or Claude.

The same nine free calculators also work inside ChatGPT and Claude. Add the InvestorKit connector, then ask in your own words. No InvestorKit account needed. The setup page shows the link to paste and walks you through each step.

Set it up in ChatGPT or Claude

For now, ChatGPT needs Developer mode, which is available on paid plans. InvestorKit members can sign in on the same page to connect their own workspace.

Try asking

“Use InvestorKit to estimate land tax on $1.5m of land in NSW.”

Prefer the website? All nine are listed above and run on investorkit.app with no account.

Inside InvestorKit Edge

Your tools. Your research. Your Edge.

InvestorKit Edge brings your property tools, market research and education into one portal. Connect the numbers to a strategy, with the context to understand your next move.

Ask about Edge accessExplore the Blueprint

Access and duration depend on your engagement. Your team confirms the inclusions before you proceed.

  1. 01

    Calculate

    Cash flow, buying costs and tax

    Explore A.R.I., stamp duty modelling and the wider financial toolkit.

  2. 02

    Understand

    The research behind the location

    Market categorisation, research whitepapers and updates from the InvestorKit team.

  3. 03

    Build your knowledge

    Education you can put to work

    Learn about property research, due diligence and cash flow through the portal.

Before you start

A few useful answers.

From calculation to direction

Put your numbers into a plan.

A calculator helps you explore a decision. Your Portfolio Wealth Blueprint connects those decisions to your goals, with a QPIA-qualified strategist and a personalised property plan.

Explore your Blueprint