Net worth over the 10 years
Year-10 net worth by purchase year
Grey bars are years you couldn't borrow enough.
Can you reach it?
The home's price against the most you could pay each year.
Tipping points for your pick
Everything else held as entered.
The purchase
At year 10
Balance sheet for your pick.
Year-by-year cash flow
How it works, and what it leaves out
- Yearly savings before housing costs is what's left after tax and living costs, before any rent or mortgage. The model then charges whatever housing you have that year: rent, the mortgage on the place you live in, ownership costs, and the net cost of an investment property.
- The purchase happens at the start of the chosen year. All available cash goes into the deposit except the reserve you set, so the new loan is as small as it can be. The home's price grows at the property growth rate from today's price.
- Stamp duty uses Victoria's land transfer duty schedule, including the principal place of residence rate up to $550k and, in the rent scenario, the first home buyer exemption to $600k and sliding concession to $750k.
- Loans are principal and interest over 30 years for the new home. In the keep scenario, cash sitting in the offset moves into the new home, so the old loan is fully charged and its interest is deductible. Interest-only on that loan is optional.
- Rental losses are deducted at your marginal rate when negative gearing applies. From 1 July 2027 that is limited to new builds and to established properties held before 7:30pm on 12 May 2026, so untick it if your current place was bought after budget night.
- Not modelled: capital gains tax on a later sale of the investment (the CGT discount is replaced by indexation from 1 July 2027), lenders mortgage insurance (flagged when the loan is over 80% of the price), land tax, depreciation, bridging finance, and changes in rates over time.
- Net worth counts property at market value, less loans, plus cash and investments. It is before selling costs or tax on unrealised gains.
Settings as of 14 November 2026. The RBA lifted the cash rate to 4.85% on 3 November, its fifth rise this year. Canstar puts the average owner-occupier variable rate near 6.74%, with competitive rates under 6.5%. APRA still assesses borrowers at 3 percentage points above the loan rate, and caps high debt-to-income lending at 20% of new loans. Cotality has Melbourne home values 7.3% lower than five years ago.
Sources: Savings.com.au, Canstar, APRA, Cotality, SRO Victoria, ATO.
An illustration for thinking, not financial advice. Get a broker's figure for your borrowing capacity and a planner's view before you act.