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I want to calculate

Funds, capacity, duty, and target property value.

Calculator

Purchasing Power Calculator

Estimate the property price your funds and serviceability may support after government charges.

These calculators provide general estimates only. They are not loan approval, financial advice, tax advice, or legal advice.

Buying scenario

$

Income and commitments

$
$
$
$
$

Assessment settings

%
%
yrs

Estimated purchasing power

$501,220

Estimated loan amount

$368,328

Deposit used

$132,892

Deposit ratio

26.5%

Estimated monthly repayment

$2,206

Government charges in scenario

$17,107

Cash needed

$149,999

Cash remaining

$1

Government grant shown separately

$0

What this means

  • The estimate uses $149,999 of available funds after government charges and encoded grants.
  • Serviceability supports about $368,328 of borrowing at a 8.99% assessment rate.
  • $1 remains as a buffer in this scenario.

Contribution sensitivity

Sources checked 4 Jul 2026. Results update as you edit the inputs.

Assumptions and sources›

These calculators provide general estimates only. They are not loan approval, financial advice, tax advice, or legal advice.

  • This combines a simplified borrowing-capacity estimate with stamp-duty and grant assumptions. It is not lender approval.
  • Assessment rate used in this scenario: 8.99%.

Review the estimate

Use the calculator output as a starting point for a document review.

RAY Accounting Group can help organize the records behind income, expenses, loans, and property decisions.

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