Everything you need to know about PCAU
Far more than a typical property calculator — all on one page, updating instantly as you type. Enter a price, a state and your situation, and PCAU shows you:
Most calculators give you one number. PCAU gives you the whole picture.
Yes — genuinely free. Every calculator is free to use, with no limit on how many calculations you run, and you can save one of them. We’ve never charged for the numbers and we never will. Premium is there only if you want the extras:
Plans for industry professionals are also available.
We base our calculations on the rates and rules published by each state and territory government, and we keep them current as those rules change. PCAU is built to be a genuinely reliable starting point — but it provides estimates, not a quote, and it isn’t a substitute for professional advice. Always confirm the final figures with your lender, conveyancer or adviser before you commit.
Yes — this is where PCAU shines for first-timers. It automatically applies the stamp duty concessions available to first home buyers and factors the First Home Owner Grant into your result where you’re eligible. The grant and its conditions vary by state and territory, so confirm your eligibility with the relevant state authority — but you’ll see a realistic picture of your true up-front cost from the very first calculation.
A lot. Beyond the up-front costs and repayments, PCAU shows your rental yield and return, and projects your property’s long-term growth and the equity you’ll build. If you’re using equity from existing properties to fund your next purchase, it handles that too. It’s built to answer the question every investor asks: does this one actually stack up?
PCAU shows you before it happens. A built-in rate-rise stress test recalculates your repayments at a higher rate, so you can see whether a purchase still works if the market moves. It’s the kind of check a good broker runs — here it’s instant, and it’s free.
Yes. With Premium you can put up to three properties side by side and compare their costs, borrowing, returns and growth in a single view — so the decision is based on numbers, not gut feel.
Yes. Save one property on the free plan, or up to five with Premium. Premium also lets you export any calculation as a clean, PCAU-branded PDF report — handy for your own records, or to share with a partner, broker or accountant.
All of them. Every state and territory has different rates and rules, so it’s essential to select the state where the property is located. PCAU then applies the correct rules for that location automatically — including foreign purchaser duty in the states that charge it.
Yes — if you choose to. When you’re ready to take the next step, PCAU can connect you with a participating property professional. It’s entirely optional, and only happens when you ask for it. If you do connect, the professional pays PCAU a referral fee — it’s free for you, and it doesn’t change the information you see.
That means the cash you’ve entered isn’t enough to complete the purchase. Lenders will generally lend up to 95% of the price, so you’ll usually need enough cash for at least a 5% deposit plus stamp duty. The ‘My Cash’ feature lets you enter exactly what you have available, and PCAU allocates it — first to stamp duty, then to your deposit — so you can see precisely where you stand.
It depends on your individual circumstances and how you use the app. Generally, where it’s used in carrying on a business or in connection with earning assessable income — for example, managing an investment property — a deduction may be available. Whether it applies to you is a question for a registered tax agent.
This is general information only and is not tax advice. Please speak to a registered tax agent about your situation.
Yes. Your calculations are yours. We don’t share your details with a professional unless you ask us to, and our reports are designed not to carry sensitive figures like your income unless that analysis is part of what you’re sharing. See our Privacy Policy for the full detail.
