technofatty Questions, awkwardly answered.

Questions, awkwardly answered.

Money · Rentvesting model

Rentvesting Calculator

Rent where you want to live, buy where you can afford: does the maths actually work? Model rental yield, property growth, and opportunity cost of the deposit.

Instant result Plain-English why Copyable takeaway
Money Under 2 minutes Result card

Rentvesting model

Enter the cost of renting in your preferred location and the cost of buying in the affordable location, plus rental yield and growth assumptions. Podge runs the maths.

What this means

No waffle. Just the number and how it was worked out.

Formula used

Rentvesting return = (property growth + rental income - mortgage costs - management fees) vs (rent paid - investment return on deposit capital)

Worked example

Renting in Sydney at A$2,800/month and buying an investment property in Brisbane at A$550,000 with 5% rental yield and 4% growth — modelled against renting the deposit in the market at 7% return.

Common questions

What is rentvesting?
Rentvesting means renting where you want to live — usually a more expensive location — while buying an investment property in a more affordable area. The investment property earns rental income and (ideally) grows in value.

What is the opportunity cost of the deposit?
Money tied up in a property deposit can't be invested elsewhere. The tool compares rentvesting against the scenario of keeping that capital in a diversified investment portfolio instead.

Plain-English summary

The result summary for this calculator will live here.

This section translates the result into a short, direct takeaway rather than leaving the page at a bare number.

Disclaimer: This is an illustrative financial model, not property investment or financial advice. Property growth and rental yield assumptions are user-supplied and not guaranteed.

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