🇦🇺Australia
Serviceability, LMI, negative gearing, CGT — the Australian property investment stack, fully modelled.
Australian property investing involves one of the developed world's most layered tax and regulatory stacks — from serviceability buffers and LMI to negative gearing and CGT discounts. These tools model all of it, built against Australian rules.
All premium calculators are inside Stresst
Free to download. Premium features unlocked inside the app — no browser input fields, no waiting for a webpage to load.
What's included
6 calculators. Run them in the app.
Affordability Calculator
PremiumChecks your borrowing capacity using the common 5.5% lender floor serviceability test, assessed against income and committed expenses — matching the method most Australian lenders apply. Shows your maximum loan before you approach a bank.
LMI Estimator
PremiumLenders Mortgage Insurance cost by loan-to-value ratio and lender tier — and the crossover point at which saving a larger deposit costs less than paying LMI upfront.
First Home Guarantee & FIRB Surcharge
PremiumFirst home scheme eligibility and impact on your required deposit, plus foreign investment surcharge calculation for non-residents purchasing Australian residential property.
Negative Gearing
PremiumTax benefit from a negatively geared investment property — net rental loss, marginal tax rate applied, and after-tax cost of holding the property.
Depreciation Schedule
PremiumEstimated depreciation deductions on investment properties under Division 40 (plant and equipment) and Division 43 (capital works), and their impact on taxable income.
Capital Gains Tax
PremiumCGT calculation with the 50% discount applied to assets held over 12 months, across different income levels and ownership structures.
🇦🇺All of this, in one app.
Free to download. Premium tools unlock seamlessly inside Stresst — no subscriptions to juggle, no separate apps to install.