Investor Tools
SMSF Property Calculator
Model whether your self-managed super fund can buy an investment property. Compare after-tax cashflow in super vs personal name and check fund affordability.
Your SMSF
$450,000
$100K$2M
$27,500
Max $27,500 per member per year (2024–25)
Property Details
$750,000
$300K$3M
30%
Lenders typically require 20–30% deposit for SMSF loans. Loan amount: $525,000
7.50%
SMSF LRBA rates are typically 1–2% higher than standard investor loans.
Rental Income & Expenses
2.0%
Deductible in SMSF.
Comparison — Personal Name
6.50%
20%
Can Your SMSF Afford It?
Deposit required
QLD stamp duty
Legal costs (est.) $3,000
Liquidity buffer $50,000
Total cash required
SMSF After-Tax Cashflow (Year 1)
Rental income (after vacancy)
Less: expenses
Less: depreciation
Net rental income
Tax (15%)
After-tax NOI
Less: interest (net of tax deduction)
Net cashflow in SMSF
Personal Name (same property)
After-tax NOI (personal rate)
Less: interest (net of tax deduction)
Net cashflow (personal)
Annual SMSF Tax Advantage
Key SMSF Property Rules
- ✓ Property must pass the sole purpose test (retirement benefit only)
- ✓ Cannot be lived in or rented to related parties
- ✓ Must be acquired through a bare trust (LRBA structure)
- ✓ Cannot be a residential property you renovate substantially
- ⚠ Recommended minimum SMSF balance: $300,000+
- ⚠ Annual SMSF audit cost: $1,500–$3,000
- ⚠ Seek advice from a licensed SMSF adviser before proceeding
This calculator provides general estimates only. SMSF property investment involves complex rules and significant risks. You must obtain advice from a licensed SMSF adviser and accountant.
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