How many debt-free or cash-flow positive properties could fund a comfortable retirement, and how do the 2026 rule changes shift the plan? Model your numbers below.
I’m years old and want to retire by age , on $ a year.
You have to work with. At per debt-free property plus of planned annual super pension income, the model reaches your target. A property growing at a year would be worth about by age .
Solve from an income target or choose a property count and see the annual income it produces.
Enter your own estimate. A fixed withdrawal is not suitable for every balance or retirement age.
Your first two sections stay free to use. Add your details once to open the full strategy model and save your key starting inputs to Search Property’s customer system.
Model a long hold or sell part of a portfolio to reduce debt on the properties you keep.
Gross rent minus interest and the running-cost allowance. Personal tax and principal repayments are excluded.
| Year | Gross rent | Costs | Interest | Cash flow | Per week |
|---|---|---|---|---|---|
The nominal balance stays fixed in this model. Its purchasing-power value falls as prices and incomes rise.
Current information from the supplied Australian Government explainer. Personal treatment can differ.
Eligible new builds retain access. For established residential property bought after 7:30pm AEST on 12 May 2026, excess losses cannot offset salary income after the change. Losses can be carried forward against residential property income.
Australian Government, Budget 2026 to 2027 Tax ExplainerFor relevant assets, cost-base indexation replaces the general 50% discount and a 30% minimum tax applies to real gains. Transitional treatment separates gains before and after commencement.
Australian Government, Budget 2026 to 2027 Tax ExplainerASFA’s comfortable homeowner standard is $78,998 for a couple and $56,166 for a single. Annual CPI was 3.5% in July 2026, while housing inflation was 5.0%.
ASFA Retirement Standard and Australian Bureau of StatisticsSelect each action as you complete it.
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Enter your details once to access the hold, sell-down and debt calculators. Your current target and key assumptions will be saved with your enquiry.