Loading page
Calculator
Compound a starting value forward at a rate you choose. This is arithmetic, not a forecast and not a property valuation — and Virtual Buyers Agent supplies no growth rate.
Arithmetic, not a valuation and not a forecast
Before inflation and before every cost of holding and selling
| Figure | Formula | With your numbers | Result |
|---|---|---|---|
| Value after 10 years at your rate | starting value × (1 + rate) ^ years | — | — |
| Change over the period | value after n years − starting value | — | — |
General information only — not financial, legal, tax, or investment advice. Virtual Buyers Agent does not hold an AFSL or a real estate licence. Check your circumstances with appropriately licensed professionals before acting.
This is compound arithmetic on a rate you choose. It shows what a number becomes if it grows at that rate for that many years. It is not a forecast, a valuation, or an opinion about any property or any market.
One calculation: starting value × (1 + rate) raised to the number of years. It answers "if this number grew at that rate every year, what would it be?" — nothing more.
The rate is yours. There is no default and no suggestion, so nothing appears until you enter one. That is the point: a growth rate supplied by Virtual Buyers Agent would be a claim about a property market that we cannot source and are not licensed to make.
It is not a valuation and not a prediction. This page does not know the property, the suburb, the state or the year, and no figure it prints is evidence that any property will be worth any amount.
The earlier version of this page also showed "conservative" and "optimistic" scenarios at the entered rate plus or minus two percentage points. Both the two points and the two labels were ours, and presenting them as a range implied a confidence interval that did not exist. They are gone. To see a different rate, enter a different rate — including a negative one.
It ignores inflation and every cost of holding and selling: interest, duty, rates, maintenance, agent fees and capital gains tax. A figure ten years out is not comparable to today’s money and is not what you would walk away with.
Past movement is a fact you can check. State valuer-general offices publish sales data, and licensed data providers publish suburb-level series. Ask for the series for the specific suburb and property type over the period you care about, and look at what happened in the bad years as well as the good ones.
What happened before is not a rate for what happens next, and no calculator can convert one into the other.
One thing: it compounds a starting value forward at a rate you type, for a number of years you choose. The formula is value × (1 + rate) raised to the number of years.
Because supplying one would be Virtual Buyers Agent asserting what a property market will do, which is both unsourceable and a prediction we are not licensed to make. The rate is yours, and the result is only as good as it.
No. It is arithmetic that knows nothing about the property, the suburb, the state or the year. Nothing it prints is evidence that any property will be worth any amount. It also ignores inflation and every cost of holding and selling.
State valuer-general offices publish sales data, and licensed data providers publish suburb-level series. Past movement in a suburb is a fact you can check; future movement is not.
Next
A calculator checks the arithmetic. Virtual Buyers Agent is a guided workspace for checking the rest — Summary, Financials, Location, Documents and Offer — with the source, assumptions and limits shown on every figure.
General information only — not financial, legal, tax, or investment advice. Virtual Buyers Agent does not hold an AFSL or a real estate licence. Check your circumstances with appropriately licensed professionals before acting.