INPUT PROPERTY PURCHASE AND BORROWING COSTS
Property Purchase Price
Holding Entity:
Establishment Costs:  
Loan Type:
If P&I Repayments p.a.  
Loan Amount:  
Loan Interest Rate % p.a:  
INPUT YEARLY INCOME & EXPENSES
Rental p.w.:  
No. of Weeks Rent p.a.:  
Yearly Rent Increases % p.a.:  
Yearly Expenses p.a.:  
Yearly Expense Incr %p.a:  
Depreciation p.a.  
INPUT SUPPORT, TAX & SALE INFO
SMSF Cashflow Support
Yrs To Pension Status:  
Personal purchase reduces take home pay
Salary 2012/13 Before Support  
Salary Increases % p.a.  
Property Appreciation % p.a.  
Sale Costs Current  
Sale Costs Incr % p.a.  

OBJECTIVE

This calculator can be used to investigate whether it would be more beneficial to hold an investment property in a SMSF or directly. It can also be used as a stand alone calculator for either holding structure. The rate of anticipated return to the various possible sale points is also calculated to show the effect of differing levels of gearing and whether the target required return is likely to be reached.


DATA ENTRY

There is Technical Note to provided background information. A Help Manual has details of each data entry item and a worked example. Some data entry items can be at an aggregate level or at a detailed level by the use of the "+" button. The increase items should be entered as follows eg 2.5 for 2.5% and not 0.025 or 2.5%.

THE PANELS AND RESULTS

This panel will change according to the part of the calculator being worked upon during data entry and also to show a summary of the results after the "Update" button has been clicked. In addition there will be a full listing shown of the intermediate results and workings.

REPORTS

NetActuary can prepare reports for cases that don't fit this calculator. This includes a property purchased by multiple individuals, loans with capital repayments from positive cashflows or outside capital injections, variations in where the support is sourced etc.