SMSF Servicing Calculator | Evolution Lending Partners

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All fields marked * are required for the calculation.

Property & Loan

Target property price ($) *

Estimated project costs ($)

Stamp duty, legals, other costs. Used for liquidity check.

LVR *

Loan term (years)

Current rate assumption (%)

Stress buffer (%)

Capitalise fees?

Fees estimate ($)

Income (annual) *

Total contributions ($/yr) *

80% of contributions used for servicing (indicative).

Expected rent ($/yr) *

80% of rent used for servicing (indicative).

Liquidity & Expenses

Liquid assets after settlement ($) *

Used for liquidity buffer (10%) and deemed income (3.5% p.a.).

SMSF annual expenses ($/yr)

Minimum $1,500 p.a. applied (indicative).

Other monthly commitments ($/month)

Disclaimer: General information only, not financial or credit advice. Estimates are indicative and subject to lender policy, SMSF compliance and full assessment.

Your indicative outcome

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Overall Outcome

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Stress rate

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Servicing

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Net surplus / month

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Liquidity Buffer

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Liquidity % of project

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Loan & Property Estimates

Estimated Loan

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Base loan: —

Max Property Price

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At chosen LVR

Constraint

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Servicing Breakdown (monthly)

Income used —

Stressed repayment —

Other expenses —

Net surplus (stress) —

Liquidity Check (10% of total project cost)

Required liquidity

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Your liquid assets

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Many SMSF lenders look for a post-settlement buffer of at least 10% of total project cost.

Book Free Consultation

Tip: If your outcome shows "Structuring Required" or "Further Review Required", it's often solvable with the right lender, LRBA setup, and deposit/liquidity planning. Book a free call to explore your options.

How this estimate works (assumptions)

• Contributions used: 80% of annual contributions.

• Rent used: 80% of annual rent.

• Deemed income on post-settlement liquid assets: 3.5% p.a.

• Stressed repayments: 30-year P&I at (rate + buffer).

• Liquidity buffer: PASS if liquid assets ≥ 10% of total project cost.

• SMSF expenses: minimum $1,500 p.a. applied.

• Max property price: lower of (a) deposit ÷ (1 − LVR) and (b) max serviceable loan ÷ LVR, using stress rate.

SMSF Servicing & Liquidity Calculator