Built for Australians

Your clearest path into property.

RealCents helps buyers, first home buyers and property investors understand what they can afford, what support they may be eligible for, and whether a property makes financial sense — all in one simple app.

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RealCents adapts to your situation — choose your path to see how we can help.

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Built to help everyday Australians
make smarter property decisions.

Browse properties, check what you can afford, see available grants, understand the numbers — and know whether a property is right for you. All in one app.

9:41●●●
← Overview
♡ ···
⊕ Positive Geared ›
📋 Overview
📍 Location
↑ Estimated Cash Flow
+$180/wk
⚠ Rental Income
$620/wk
↑ Vacancy Rate
1.3%
⚠ Median Suburb Price
$840,000
↑ Suburb Growth 5yr
+6.8% p.a.
Real Estate Agent
Culhane Real Estate
9:41●●●
?
🏡
$690,000 – $750,000
169 Elmslie Drive, Cranbourne East, VIC 3977 ↗
🛏 2🚿 2🚗 2📐 564m²
⊕ Positive Geared ›
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9:41●●●
Alex Chen
alex@example.com.au
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Why RealCents

Property websites show you houses.
RealCents helps you understand them.

Know what you can afford, what grants you qualify for, and whether the numbers actually stack up — before you spend hours going to inspections.

Property Websites
Find the listing
Search, browse, and discover properties across Australia. Great for seeing what's out there.
The Gap
But is it the right one?
How much will it cost to own? Am I eligible for any grants? Is this area growing? Most buyers have to figure this out on their own.
RealCents
Understand the property
Rent estimates, grants, affordability, suburb insights — everything you need to make a confident decision.
The Problem

Property tools are built
for agents. Not for you.

Every tool overwhelms you with jargon, assumes you already know what LVR means, and leaves you more confused than when you started.

🌀

Information overload

Dozens of websites. Conflicting calculators. No single place that understands your situation and tells you what actually matters.

🤷

You don't know where to start

Grants, eligibility rules, guarantors — most Australians have no idea what they qualify for or even where to begin.

📊

The numbers make no sense

Yield, gearing, LVR, stamp duty — it's all written for accountants. Not for someone just trying to buy a home.

Features

One app. Every buyer.
Every situation.

RealCents adapts to your goals — whether you're buying your first home, finding your next one, or growing a portfolio.

🎯

Grants & eligibility, in plain English

See every federal and state grant you qualify for — instantly. No searching, no jargon.

🧾

Stamp duty & upfront cost breakdown

See your full purchase cost — deposit, stamp duty, legal fees — before you fall in love with a property.

🏛️

Government schemes explained

First Home Guarantee, Help to Buy and state schemes — see exactly what you're eligible for, explained simply.

📊

See what you can actually afford

Know your budget before you walk into a bank. We keep it updated as interest rates change.

Grants Summary · Victoria
First Home Owner Grant
New builds only
$10,000
Stamp Duty Concession
Properties under $600K
$18,500
HomeBuilder Assistance
Check eligibility
$25,000
Total Available
$53,500
in grants & concessions you may qualify for
Schemes · Victoria
First Home GuaranteeEligible ✓
Help to BuyCheck ›
Vic Homebuyer FundEligible ✓
⭐ Full grants & scheme detail — Premium
📈

Does this property make money?

See the weekly rent, what it costs to own, and whether it puts money in your pocket or takes it out.

Making money or costing money?

Understand whether a property pays for itself or costs you each week — no spreadsheet required.

🗺️

Compare rental returns by suburb

See which suburbs are producing the best rental returns so you can find the right area for your budget.

🤖

What's happening in this suburb?

New roads, schools, council approvals and growth activity — find out what's coming before you buy.

Cash Flow · 169 Elmslie Drive, Cranbourne East
$620
Weekly Rent
4.8%
Gross Yield
3.9%
Net Yield
Annual rental income+$32,240
Mortgage repayments−$26,400
Rates, insurance, mgmt−$4,200
Net Annual Cash Flow+$1,640
Gross Yield
4.8%
Net Yield
3.9%
⊕ Positive Geared
⭐ Full cash flow & yield analysis — Premium
📱

Browse properties the easy way

Swipe, save and skip — browse properties the way you'd scroll through your phone. Simple and fast.

🔍

Understand any property in seconds

See what similar homes sold for, how the area has changed, and whether the asking price makes sense.

💡

Find out what you can actually borrow

Know your real budget before you fall in love with a home that's out of reach.

📍

Learn about the suburb

Schools, transport, what's planned nearby — everything you want to know about where you're buying.

Property Summary · 22 River Rd, Brunswick
$720K
Ask Price
↑6.2%
1yr Growth
8.2
Walk Score
Comparable Sales (90 days)
18 River Rd, Brunswick$695,000
5 Lyons St, Brunswick$741,000
31 Albert St, Brunswick$728,500
RealCents Take
Priced in line with recent sales. Brunswick has grown steadily over the past 5 years. Tram stop within 200m. A solid choice for this part of Melbourne.
How It Works

Ready to go
in minutes.

No confusing setup. No complicated language. Just clear, useful information.

1

Tell us about you

First home buyer, home buyer, or investor? Answer a few quick questions. We tailor everything to your situation.

2

Discover properties

Browse listings matched to your budget, goals, and location — fast and visual.

3

Understand the numbers

Tap any property to see the numbers — rent estimates, grants you may qualify for, recent nearby sales, and suburb info.

4

Make your move

Book an inspection, speak to a broker, or keep building knowledge. We help you take the next step.

Good to Know

Property explained in plain English.

RealCents breaks down the confusing stuff — from rental returns and tax implications to borrowing limits and stamp duty — so you always know what you're looking at.

Start Free — No Credit Card
What does "positively geared" actually mean?
A positively geared property is one where the rent coming in is more than the costs of owning it — things like your mortgage, council rates, insurance and property management fees. Put simply: it makes you money each week rather than costing you money.
What makes a good investment property?
A strong investment property generally ticks three boxes: the rental income covers the costs of owning it, the purchase price is below what similar homes in the area are selling for, and the suburb has shown consistent growth over recent years. When all three line up, the property is essentially paying for itself while also growing in value over time.
What grants are available for first home buyers?
It depends on your state and what type of property you're buying, but most first home buyers in Australia can access some combination of the First Home Owner Grant, stamp duty discounts, and federal government schemes. RealCents shows you exactly what you're eligible for based on where you live and your budget.
How does RealCents work out the weekly numbers on a property?
We use the property's asking price, current rental data for the area, typical mortgage repayments at current interest rates, and the usual costs of owning a property — things like council rates, property management and insurance. All figures are estimates and you should always get your own professional advice before making a decision.
What's the difference between gross and net rental return?
Gross return is the annual rent divided by what you paid for the property — before any costs. Net return is what's left after you factor in the costs of owning it, like rates, insurance and management fees. Net return gives you a more realistic picture of what the property actually earns you.
Suburb Intelligence

Find out what's happening
in any suburb.

RealCents uses AI to track what's being built, approved and planned in suburbs across Australia — information that doesn't show up on regular property websites.

🚉

Big projects nearby

New train lines, schools, hospitals and roads. Find out what the government has planned near any property before you buy.

🏛️

What's being built

New apartment buildings, rezoning decisions and council approvals that could change what a suburb looks like in the years ahead.

📈

Is this suburb growing?

Whether more people are moving in, whether prices are rising, and whether the suburb has been picking up or slowing down.

This is a Premium feature. All information is based on publicly available data and is for general guidance only. RealCents doesn't give financial advice — always speak to a professional before making any property decision.

Suburb Insights · Footscray, VIC 3011
Big Project
West Gate Tunnel — nearly finished
A major new freeway link that's expected to cut travel times to the CBD. Large road projects like this often increase demand for homes in the surrounding area.
New Development
12-storey building approved at 45 Barkly St
Maribyrnong Council has approved a large new building in the area. More development activity is often a sign that an area is growing in popularity.
Suburb Growth
Prices growing faster than Melbourne average
Footscray home prices have been rising faster than most other Melbourne suburbs over the past 12 months — likely driven by the new roads and development activity nearby.
Local Update
Footscray Primary school zone expanded
The school catchment zone has recently been extended. When a popular school's zone expands, it often increases demand for homes in that area.
Updated regularly · Premium feature
MM
Max Marcroft · Founder & CEO
Meet the Founder

Built by someone
who gets it.

Hi, I'm Max — founder and CEO of RealCents.

I'm 32 years old, a full-time tradie, husband and dad based in Australia.

For years, I found property investing far more complicated than it needed to be.

Every time I looked at a property, I found myself jumping between multiple websites, calculators and sources of information just to answer one simple question:

"Is this actually a good deal?"

It would often take me 15–20 minutes to properly assess a single property. By the time I'd looked at the cash flow, rental estimates, expenses and local information — I'd only got through one listing.

As a full-time tradie, husband and dad, I knew there had to be a better way.

I wanted a platform that took a few minutes to set up, understood my goals, and could instantly help me assess properties right across Australia.

When I couldn't find it, I decided to build it.

That's why RealCents exists — to help everyday Australians cut through the confusion, find opportunities faster and make property decisions with confidence.

Because property shouldn't feel like a second job.

M
— Max Marcroft
Founder & CEO, RealCents
Pricing

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  • Limited property browsing
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  • Limited affordability guidance
  • Limited grants overview
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  • AI Location Intelligence
  • Full First Home Buyer support
  • Investor tools & gearing analysis
  • Unlimited property saves
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  • Unlimited property browsing & saves
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  • Full first home buyer support
  • Grants, schemes & stamp duty breakdown
  • Weekly income & cost breakdown per property
  • See if a property makes or costs you money
  • Suburb insights powered by AI
  • Upcoming roads, schools & local developments
  • See if a suburb is growing or slowing down
  • Early access to new features
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Built for Australians

RealCents provides property information and educational tools only. Nothing on this platform constitutes financial or investment advice. Always seek independent professional advice before making property decisions. All figures shown are estimates only.

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