Example result based on the prefilled values.
Total Growth
30.00%
Annualised
5.39%
Profit
NZ$60,000.00
Continue your plan
Useful next calculations
When to use this calculator
- Before buying, renting, refinancing, or reviewing a property investment.
- When you want to compare cash flow, yield, growth, and ownership costs side by side.
- When you need a fast estimate before speaking to an agent, lender, or adviser.
- When you are assessing whether a rental property still makes financial sense after a mortgage rate change.
- When you want to compare the total cost of renting against owning over a five- or ten-year horizon.
A realistic New Zealand planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Purchase Price (NZ$)
NZ$0.30
Current Value (NZ$)
NZ$1,400
Years Held
25 years
After entering these figures, review total growth, annualised and profit together rather than in isolation — each metric tells a different part of the story. Then rerun the tool with one input adjusted to see which variable has the biggest effect on all three outputs before you settle on a plan.
How to read your results
Total Growth
This is the headline outcome of the calculation, but it is most useful when read alongside the supporting metrics below it rather than in isolation. Try changing one input at a time and watching how this total moves to understand which driver has the biggest impact.
Annualised
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Profit
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Method & assumptionsAuthoritative sources
This calculator uses three inputs — purchase price, current value, and years held — to produce total percentage growth, annualised compound growth, and the absolute profit figure. Total growth is calculated as (current value minus purchase price) divided by purchase price, multiplied by 100. Annualised growth uses the compound annual growth rate formula: (current value divided by purchase price) raised to the power of one divided by years held, minus one, expressed as a percentage.
The profit figure shown is the gross gain before costs. A realistic net profit should deduct Stamp Duty Land Tax paid on purchase, conveyancing and survey fees, any capital improvements (which also reduce your CGT liability on disposal), and selling costs including estate agent fees and legal fees on sale. Capital Gains Tax is also payable on disposal of investment property; the chargeable gain should be reported to HMRC within 60 days of completion. The calculator does not account for inflation or rental income received during the holding period, both of which are relevant to an overall investment assessment.
Common mistakes
- !Using an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Forgetting location-specific taxes, fees, eligibility rules or payroll deductions where they apply.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
- Use the result to prepare better questions for a lender, provider, adviser or employer rather than treating it as a final answer.
Frequently asked
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