The Real Cost of Holding

Expose the silent wealth killers. Calculate the true cost of ownership by projecting exactly how compounding expenses, aggressive inflation, and relentless interest payments will drain your cash over the next decade.

The Debt (Interest Only)
The Property (Year 1)
Rates, Strata, Insurance, Mgmt
The Macro Environment (10 Yr Horizon)
How fast costs rise
How fast rent rises
Cumulative Out-of-Pocket Cost
Year 1 Cash Drain
-$9,900
Initial shock to your cash flow.
Year 5 Cumulative Drain
-$51,234
Total cash burned after 5 years.
Year 10 Cumulative Drain
-$108,450
If capital growth doesn't beat this number, you lost money.
Total Interest Paid to Bank (10 Yrs)
-$300,000

How this works: Amateurs assume holding a property simply means covering the mortgage. They forget that strata, council rates, insurance, and maintenance do not stay flat—they compound with inflation every single year. This engine projects your true, cumulative cash drain over a 10-year horizon. By running a year-by-year loop, it offsets your projected rental income growth against the compounding inflation of your expenses and the massive volume of interest paid to the bank. The result is the exact amount of out-of-pocket cash you will bleed over a decade, revealing the brutal capital growth benchmark your property must hit just so you don’t lose money.

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