Upfront Cost Comparison Calculator
Compare total upfront purchase costs across two properties, combining price, duty, fees and inspections you enter for each.
Your results
Calculation breakdown
- Total upfront cost
- property price + duty + fees + inspections
Worked example
A $600,000 property with $25,000 in costs versus a $650,000 property with $22,000 in costs shows the second is about $3,000 more upfront.
Assumptions
- Excludes ongoing costs like rates, insurance or strata, which should be compared separately.
- Include LMI here only if it will be paid upfront in cash.
How this calculator works
This calculator adds up the price, stamp duty, fees and inspection costs for two properties side by side, so you can compare the true upfront cash needed for each before deciding which to pursue.
Frequently asked questions
Should I include LMI in the comparison?
Include it if you expect to pay LMI upfront on either property; leave it out if it will be capitalised into the loan.
What if the two properties are in different states?
Enter each state's own duty, registration fees and other charges separately, since these vary between jurisdictions.
Does this include ongoing costs?
No, this compares upfront purchase costs only — use budget calculators for ongoing costs like rates and insurance.
Results are estimates only and are not financial, tax, legal or credit advice.