SMSF Property Calculator
Model whether your self-managed super fund can buy an investment property. Compare after-tax cashflow in super vs personal name and check fund affordability.
Your SMSF
Max $30,000 per member per year (2025–26)
Property Details
Lenders typically require 20–30% deposit for SMSF loans. Loan amount: $525,000
SMSF LRBA rates are typically 1–2% higher than standard investor loans.
Rental Income & Expenses
Deductible in SMSF.
Comparison: Personal Name
Can Your SMSF Afford It?
SMSF After-Tax Cashflow (Year 1)
Personal Name (same property)
Annual SMSF Tax Advantage
Key SMSF Property Rules
- ✓ Property must pass the sole purpose test (retirement benefit only)
- ✓ Cannot be lived in or rented to related parties
- ✓ Must be acquired through a bare trust (LRBA structure)
- ✓ Cannot be a residential property you renovate substantially
- ⚠ Recommended minimum SMSF balance: $300,000+
- ⚠ Annual SMSF audit cost: $1,500–$3,000
- ⚠ Seek advice from a licensed SMSF adviser before proceeding
This calculator provides general estimates only. SMSF property investment involves complex rules and significant risks. You must obtain advice from a licensed SMSF adviser and accountant.
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