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Amplify PIA Calculator - Final

AMPLIFY SOLUTIONS

Client Details

Prepared For

Consultant

Date

Property Description

Purchase & Loan Costs

Price ($)

Stamp Duty ($)

Conveyancing ($)

Loan Fees ($)

Loan Cost Breakdown is assumed proportional for display.

Investment & Loan Details

Cash Invested ($)

Growth (%)

CPI (%)

Interest Rate (%)

IO Period (Yrs)

Loan Term (Yrs)

Rental & Expenses

Weekly Rent ($)

Vacancy (Wks)

Expense Ratio (%)

Selling Cost (%)

Rental Expense Breakdown is proportional for display.

Tax & Depreciation

Taxable Income ($)

Total Building Depr. ($)

P1 Income ($)

P1 Share (%)

P2 Income ($)

P2 Share (%)

Fittings Depr. Y2 onwards is hardcoded to match PDF.

Property Investment Analysis

Prepared for:
Consultant:

Property:
Description:

Summary / Assumptions

Property value

Initial investment

Loan amount

Gross rental yield

Net rental yield

Cap. growth rate

Inflation rate (CPI)

Interest rate

Taxable income

Projected Results over 10 yrs

Property value

Equity

After-tax return/yr

Net present value

IF SOLD

Selling costs & CGT

Equity

After-tax return/yr

Computer Projections

Investment Analysis	2025	1yr	2yr	3yr	5yr	10yr

Disclaimer: Note that the computer projections listed above simply illustrate the outcome calculated from the input values and the assumptions contained in the model. Hence the figures can be varied as required and are in no way intended to be a guarantee of future performance.

Tabulated Breakdown of Spreadsheet Items

Page 2

Property Value (average growth of per year)

Property price:
Total book value:
Property market value:

Purchase Costs

Conveyancing costs:
Govt. Stamp duty:
Total Purchase costs:

Loan Costs

Establishment fees (0.50% of loan):
Mortgage insurance (0.32% of loan):
Mortgagee's solicitor's fees:
Valuation fees:
Registration of mortgage:
Registration of title:
Search fees:
Total loan costs:

Contribution Toward Total Costs

	Investments	Loan	Total Cost
Property costs:
Renovation costs:	0	0	0
Purchase costs:	0
Furniture costs:	0	0	0
Loan costs:	0
Totals:

Loan Details

Loan type:
Interest rate (yr 1) (%):
Loan:
Loan costs (written off over 5 yrs):
Monthly payment:
Annual payment:

Rent

Rent per week:
Potential annual rent:
Vacancy rate (%):
Annual rent:

Cash Deductions

Loan interest:
Rental expenses
Agent's commission (8.80%):
Letting fees:
Rates:
Insurance:
Maintenance:
Other expenses:
Total expenses:
Regular expenses as % of annual rent:
Net yield or Capitalisation rate:

Pre-Tax Cash Flow

Page 3

Pre-Tax Cash Flow

Year	Initial	1yr	2yr	3yr	5yr	10yr

Non-Cash Deductions

Depreciation on the building (Capital allowance)
Property value:
Construction cost:
Depreciation allowance rate (%):
Depreciation allowance:
Depreciation of fittings (diminishing value method)
Total Depreciation:
Loan costs (written off over 5 yrs):

Total Tax Deductions (Cash & Non-Cash Deductions)

Year	1yr	2yr	3yr	5yr	10yr

Tax Credits & After-Tax Cash Flow

Year	2025	1yr	2yr	3yr	5yr	10yr

Internal Rate of Return (over 10 years)

Internal rate of return (IRR)
Pre-tax equivalent of IRR
Internal rate of return (if sold)
Net present value (NPV)
Cash on cash return
Cash positive by year
Cash neutral investment

Projections Over 20 Years

Page 4

Year	Property value	Equity	Rent Deductions	Pre-tax cash flow	Tax credit	After-tax cash flow

Equity Projections

Projected values over	5 yrs	10 yrs	15 yrs	20 yrs

Tax Benefits

Page 5

These are shown below for the given taxable incomes and are based on the specified tax scale. Number of properties: 1

	Investor	Partner	Total
Ownership: joint names			100%
Current taxable income:
Rental income:
Total income:
Rental deductions:
New taxable income:
Current tax:
New tax:
Tax savings:
Total tax credits:

Investment Capacity

Buying 1 such properties (registered in joint names), and taking into account current net incomes and expenses as shown, the difference between total income and total committed expenses in the first year would be . Total initial outlay would be .

Who Pays the Cost?

Page 6

Who pays the cost (1st year)?

Tenant: 57%

Taxman: 31%

You: 12%

Projections over 25 years

Year	Interest costs	Rental expenses	Total cost	Rent (tenant)	Tax credit (taxman)	Cash (you)

Cumulative Income & Expenses (over 25 years)

Year	Rent (tenant)	Tax credits (taxman)	Cumulative income	Interest cost	Rental expenses	Cumulative expenses

All information presented on this page is general in nature and for informational purposes only. ASG does not provide financial, legal, or tax advice. Instead, we use our experience and relationships to connect you with accredited professionals qualified to offer personalised guidance. Please consult a qualified advisor before making any significant financial or property decisions.

Unit 14C, 1 The Esplanade, Mount Pleasant WA, 6153, Australia

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