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How many investment properties might I need to fund my retirement income?

Estimate a property path and what a taxed sell-down leaves to rent.

These are example figures

Change any of them and the answer updates straight away.

Your retirement goal

Start with the annual income you want and when you plan to retire.

Before income tax, in today’s dollars

Your starting point

We use one typical property to illustrate the path.

Buying new properties

Rent and running costs

Share of gross rent, before vacancy and loan payments

Loan

Growth, sale and tax

Annual property income at retirement

$259,350

Your answer

Annual property income at retirement

$259,350

Against a $209,757 annual target, before income tax.

8 bought, 3 sold and 5 kept could produce $259,350 a year before income tax, if you can fund the purchases.

Bought
8
New purchases; funding is not checked
Sold
3
Uses pre-reform sale tax; the count may change
Kept
5
Debt-free after the modelled sell-down
After income tax
$163,391
Individual tax estimate

Property value and debt, years from today

Property valueLoan balance
Each purchase enters at its projected price; the lines show values before retirement sales.

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Annual rent at retirement

Gross rent
$315,685
Vacancy and running costs
$56,335
Income before income tax
$259,350
Your target
$209,757

The retirement sell-down

Property value before sales
$27,910,128
Debt before sales
$8,403,115
Selling costs
$261,657
Capital gains tax (pre-reform)Pre-reform CGT estimate; may understate tax on gains after 1 July 2027.
$860,642
Sale proceeds after costs and CGT
$9,343,999
Value of properties kept
$17,443,830
Cash left after clearing debt
$940,884

  • Income target

    Pre-tax annual rent after vacancy and operating costs, in retirement-year dollars

    To confirm

  • Properties

    Today’s price and rent grow independently to each purchase year; existing property debt and cost base are explicit

    To confirm

  • Purchases

    One purchase at year zero if none held; otherwise at the stated cadence; funding and serviceability are untested

    Reference

  • Consolidation

    Sell highest net-proceeds properties first; apply sale proceeds after costs and individual CGT to all debt

    To confirm

  • Sale tax

    Pre-reform individual CGT estimate; tax on gains after 1 July 2027 may be higher

    To confirm

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Keep this plan working for you

Your result stays on screen either way. An account adds the parts that follow you.

  • Save your scenarios

    Save this retirement property path and compare it with another scenario

  • Start from your Portfolio

    Uses a recorded property value as the illustrative price. Confirm the remaining assumptions.

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