For those who want to own where they live

Every year you save, the house gets further away.

Put in the home you want and the money you have. See the year you could buy it by saving alone, and the year you could buy it if an investment property did some of the work. After selling costs and tax.

FreeTwo minutesAfter selling costs and taxUpdated for the 2026 tax rules

Your yearLive example

Saving alone–

Investing first–

Find my year1 Your home 2 Your money 3 Your year

Start from an example

Example figures. Change them to yours.

The home you want

What it costs today

A typical price for the kind of home you want, where you want it.

How fast those prices grow each year

Use the area's long-run rate if you know it. Ask us for the figure for your suburb.

Deposit you'll put down The bigger the deposit, the smaller the loan, and the longer it takes to save.

Your money

Savings you could put to work

Cash, or equity you could release.

Putting away each month

After everything else is paid.

Kept aside as a safety buffer

Your income tax bracket Used only for capital gains tax if the investment is sold.

Change the assumptions

Investment price cap

Loan interest rate

Rent, % of price a year

Running costs, % of rent

Interest on savings

Selling costs

Investment growth

Saving alone–

Invest, then sell–

Invest, keep it, use the equity–

Free · Your plan by email

Keep your year. Send it to yourself.

Your three dates, the chart and the numbers behind them
The five things to check before you act on it
An optional 15-minute review with Nick, no pitch

What you need vs what you'd have

Deposit and costs you need Saving alone Invest, then sell Invest and keep

The investment in this example

Purchase price
Loan (interest only)
Cost to hold, year 1
Tax if sold

Find your year.

A free 15-minute call with Nick. We'll check these numbers against your real borrowing, your suburb and your tax position, and tell you straight if saving is the better path.

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How the three dates work

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Saving alone. Your savings and monthly amount, earning interest, against a deposit that grows with home prices.
Invest, then sell. Your savings buy an investment property now. You keep saving, less what the property costs to hold. In the year shown, selling it and adding your savings covers the deposit, after selling costs, the loan and capital gains tax.
Invest and keep. As above, but you keep the property and borrow against its equity, up to 80% of its value. You'll need the income to carry two loans; a broker can tell you if you would.

What's built in, and what isn't

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Capital gains tax uses the 2026 rules for established property: the cost base grows with inflation (2.5% a year assumed) and the gain is taxed at your rate or 30%, whichever is higher.
From 1 July 2027, rental losses on established property bought after 12 May 2026 can't reduce tax on your salary, so holding costs here are shown before tax with no refund.
Buying costs of 5.5% on both homes cover stamp duty, legals and inspections, roughly. First home buyer concessions and LMI are not modelled.
Rent and running costs rise 3% a year. Your monthly saving stays flat.

General information only. This tool does not consider your objectives, finances or needs, and it is not financial, credit, tax or investment advice. The results are illustrative scenarios, not forecasts or promises; property prices can fall, and past growth is not a reliable guide to the future. Talk to a mortgage broker about borrowing, an accountant about tax, and a licensed adviser before you decide. Nothing you type here is sent anywhere or stored. EquityPath Investments Pty Ltd trading as Holdwell Property · ABN 78 682 844 793 · Australia-wide licensed buyer's agency.