SMSF Calculator
(Property Investing using your Super)
SMSF Property Borrowing & Cash Flow Calculator
This version calculates Actual Borrowing Capacity using: Rollover Amount (deposit) + Employer Contributions + Rental Income, and considers purchase costs (stamp duty + legal/bare trust/etc + liquidity buffer) and ongoing costs (PM, strata, council, water, insurance, accounting, etc). Estimate only
Step 1 — Members, Super Balances & Salary
0.12 = 12% of gross salary
Default: $20,000 remains after purchase
Default: +3% p.a.
Step 2 — Borrowing rules
Cash flow interest still uses actual rate.
1.10 = net income must cover debt by 10%
Purchase costs
Stamp duty estimate is simplified (not official).
Step 3 — Property income & ongoing costs
Ongoing costs (annual)
Tax settings (for “tax savings” estimate)
Tax effect only (non-cash)
Important: In real SMSF LRBA lending, lenders use their own serviceability rules, shaded rent, liquidity requirements, buffers, and property rules. This calculator is a directional estimate.
Results
Actual Borrowing Capacity (Loan)
$0
Max Purchase Price
$0
Assessed Rate (actual + buffer)
0.00%
Net Income for Debt (annual)
$0
What limited the borrowing?
| Deposit-driven max loan (after costs + buffer) | $0 |
| Cashflow/serviceability max loan (DSCR + assessed rate) | $0 |
| Chosen (Actual Borrowing Capacity) | $0 |
Purchase cash check (uses rollover)
| Combined rollover | $0 |
| Deposit required | $0 |
| Stamp duty | $0 |
| Other purchase costs | $0 |
| Liquidity buffer kept | $0 |
| Surplus / (Shortfall) | $0 |
Income vs expenses (annual)
| Employer contributions | $0 |
| Rent (after vacancy) | $0 |
| Other SMSF income | $0 |
| Less: PM + ops + accounting + other deductions | $0 |
| Estimated tax savings (optional) | $0 |
Cash flow at chosen loan (annual)
| Interest (cash at actual rate) | $0 |
| Debt service (assessed, for cap) | $0 |
| Net cash after non-debt + interest (actual) | $0 |
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