Calculators
Three paths, same savings and time horizon: buy an investment and rent where you live, buy the home you live in, or rent and put the rest into ETFs. Stamp duty is included in the cash to buy.
$261,691
Rentvest
$356,629
Buy to live in
$205,122
Rent + ETFs
After 10 years, Buy to live in has the highest modelled net wealth.
| Year | Rentvest | Buy home | Rent + ETFs |
|---|---|---|---|
| 0 | $157,554 | $147,395 | $180,000 |
| 5 | $220,092 | $253,155 | $203,563 |
| 10 | $261,691 | $356,629 | $205,122 |
Buy costs modelled: investment $22,446, owner-occupier $32,605 (duty, titles, legal $2,000, pest $700).
Research purposes only. Not personal financial advice, a valuation, or a planning certificate. Always speak to a licensed financial adviser before you act. Calculator outputs are estimates. Stamp duty and titles fees use FY2026–27 published schedules. Verify duty, fees, and lending before you buy.