See the equity across several properties without losing the detail behind each one. Enter current values, related debt and separate ownership and debt allocations for a dated snapshot.
Inputs stay in this browser tab and clear on reload. Download if you want to keep a copy.
User-entered estimate in AUD. No sale costs, tax, borrowing eligibility or state-specific rules are calculated. General information, not personal financial, tax or legal advice.
Follow the tool, step by step
Choose a guide below. Follow the labelled screenshot, then try it with your own information.
Step 1 of 3
Use a short label, the whole property's estimated value and its related secured debt in AUD. Record the valuation and loan dates separately. Use outstanding debt rather than the original amount borrowed.
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Step 2 of 3
Choose Add property for each additional holding. Leave both shares at 100% for whole-property figures. For an allocated view, enter the ownership percentage and the debt percentage separately. Count each property and debt once.
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Step 3 of 3
Select Calculate portfolio equity. Compare gross equity with the allocated estimate and read the total LVR. Check each row, then download the property snapshot. A changed input clears the result until you calculate again.
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Worked example
Whole-property values total A$1.4 million and debt totals A$800,000, giving A$600,000 gross equity and a 57.14% portfolio LVR. Allocated equity is A$150,000 for the home plus A$300,000 for the unit. LVR is total debt divided by total value, not an average of the two property ratios.
Follow the inputs
Keep each property and its loan visible.
Separate property recordsOwners and source documentsTake the next step with Financial Portfolio
A portfolio total is easier to explain when you can trace it back to each property, owner and loan. Financial Portfolio helps you maintain those records alongside supporting documents. Update values yourself when a new statement or estimate becomes available.
App access is currently through the waitlist. Keep your download for reference. Tool entries are not sent to the app or imported automatically.
Gross equity is the sum of all entered property values less the sum of their secured debts. Allocated equity adds each property's value × ownership share, less its debt × debt allocation. The two shares are independent. Portfolio LVR is total debt ÷ total whole-property value × 100.
A debt greater than the entered value produces negative gross equity. It remains in the portfolio total rather than being reduced to zero. A zero-value row can still include debt; if all property values are zero, portfolio LVR is shown as unavailable because division by zero is undefined.
Agree the scope of the snapshot before entering data. For a whole household, include a shared property once. For an individual allocation, use documented percentages and keep the related loan treatment explicit. Where one facility secures several properties, this simple tool cannot establish a legally correct allocation.
No. Gross equity measures the difference between your entered values and debts. It is not cash you can automatically withdraw or a lender's offer. A lender's valuation and assessment, selling costs, tax and transaction costs can change what is available. Use the single-property home equity calculator if you only need one property.
The tool runs in this browser tab. Your inputs are not sent to Financial Portfolio, stored in a user account or passed through the signup link. A reload clears the working state. Download a CSV if you want a copy, and keep it somewhere appropriate for the information it contains.
Financial Portfolio can help you maintain related records, but this public result does not create a portfolio or verify a source document. Read the privacy policy and terms of use, or visit the Help Center for product questions.
Reviewed . Sources support the general context; worked examples use the assumptions stated on this page.
Put the result to work
Use one row per property and check which secured balance belongs to each. The breakdown helps you see whether a single total conceals a low-equity property. It does not estimate rental yield, tax or investment returns.
Compare the whole-property position with your chosen allocation. Keep the reason for each share with the source documents. A recorded debt percentage does not establish the legal limit of a borrower's responsibility.
Yes. Add a row for each property, up to 20 rows. The tool totals the values and debt and retains each property's result in the download.
The calculation divides total debt by total property value. This weights larger properties appropriately. A simple average of percentages gives each property equal weight regardless of its value.
Yes. They are entered independently, from 0% to 100%. The output reflects your chosen allocation and does not determine the legal liability of joint borrowers.
Use a current estimate if you want a current equity snapshot. Keep its date and source. The calculator does not provide a valuation or verify the number.
No. It calculates recorded equity and LVR only. Rental income, expenses, tax, sale costs and lending eligibility need separate analysis.
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