Current home
Harlan-area example property. Value, loan and rent are example figures until replaced under Assumptions.
Portfolio
Stay vs Upgrade vs Rentvest. Net worth over 10 years, AUD.
Hover or drag across the years for values. Click a year to pin it. Click a legend item to hide or show a scenario.
- A Stay: keep living in the current home on a P&I loan. The household weekly surplus is invested in IVV.
- B Upgrade: sell the current home (selling costs apply), buy the nicer-suburb home (WA transfer duty applies) with a larger P&I loan. IVV contributions change by the difference in weekly housing outflow versus Stay.
- C Rentvest: keep the current home as an investment property on its existing P&I loan, rent the nicer-suburb home. IVV contributions change by the difference in weekly housing outflow versus Stay.
- Same household after-tax income and living costs in all three. Lower housing outflow than Stay is invested in IVV; higher outflow reduces IVV contributions. A negative contribution is a drawdown and can take the IVV balance below zero, which represents a shortfall that would need funding from elsewhere.
Risk
Rentvest year-10 net worth minus the better of Stay and Upgrade, as the mortgage rate rises above the current setting.
Hover or tap a cell for all three scenarios. Click a cell to apply its rate and rent to every view.
Rentvest Weekly Cash Flow
Keep the current home as an investment and rent the nicer-suburb home.
Net weekly position = net rental income minus interest on the current home loan minus rent on the nicer-suburb home. Principal repayment is excluded and shown as equity build.
Assumptions
All defaults are example data. The five main sliders are under Portfolio.