SMSF property co-ownership calculator

The deal

Your fund's balance

Property price

Your fund's share %

Net yield %

Buffer to keep

Structure

It's residential, not business real property Changes what each structure can do later — and it is the whole reason the trust exists.

The long run

Contributions a year

Growth %

Large fund returns %

Idle cash earns %

What a partner buys you

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Property your fund could reach with this partner

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Alone, it reaches

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Your fund deploys

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Your share of the rent

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Buffer left

Which structure

What different balances reach

Your fund's share decides how far it stretches. A smaller share reaches a bigger property — and gives you less of it.

Fund balance	Alone	At 50%	At a third	At your share

Before you commit. This is math, not advice. A 13.22C trust must satisfy every one of its conditions continuously — no borrowing, no charge over its assets, no interests in other entities, no business, and a three-year look-back on prior related-party ownership. One breach makes it an in-house asset permanently. Take the questions in Appendix B to an SMSF specialist before you sign anything.