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Pre-Budget Property Cashflow Calculator

Take the guesswork out of your numbers. Pop in your details and we'll break down your cashflow, growth potential, and holding costs in a way that actually makes sense.

Address

Purchase Details ▾

Property Purchase Price ?

$

State / Territory ? NSW VIC QLD SA WA TAS ACT NT

Projection Period (years) ?

Is this an investment property? ? Yes — rental income & tax deductions apply No — owner-occupied

Loan Details ▾

LVR (%) ?

%

Deposit ($) ?

$

Loan Amount ($) ?

$

Loan Term (years) ?

Interest Rate (p.a.) ?

%

Interest-Only Period (years) ?

Split loan — using equity to fund the purchase? ?

No Yes

This equity loan (e.g. drawn against another property) helps fund the purchase. Its interest is added to your deductible interest and its repayments are included in cashflow.

Equity loan funds ? Custom amount Deposit Deposit + stamp duty

Equity Loan Amount ($) ?

$

Equity Loan Rate (p.a.) ?

%

Equity Loan Repayment ? Interest Only Principal & Interest

Equity Loan Term (years) ?

Equity Loan IO Period (years) ?

Acquisition Costs ▾

Stamp Duty ?

$

← Auto-calculated. Override if needed.

Transfer Registration Fee (SA) ?

$

Conveyancing / Legal ?

$

Building & Pest Inspection ?

$

LMI Premium (auto-calculated) ?

$

Capitalise LMI into loan? ? Yes — add to loan balance No — pay upfront

← LMI auto-calculated when LVR > 80%. Override if needed.

Buyers Agent Fee ?

$

Other Acquisition Costs ?

$

Total Acquisition Costs ?

$

Rental Income ▾

Weekly Rent ?

$

Gross Rental Yield ?

%

Enter either weekly rent or yield — the other updates automatically.

Annual Holding Costs ▾

Property Management Fee ?

%

Letting Fee (weeks of rent) ?

Council Rates ?

$

Water Rates ?

$

Landlord Insurance ?

$

Maintenance & Repairs ?

$

Strata / Body Corporate ?

$

Land Tax (annual) ?

$

Accounting / Tax Agent ?

$

Other Annual Costs ?

$

Tax Assumptions ▾

SMSF (Self-Managed Super Fund)? ?

No Yes

When Yes, tax is the flat 15% super rate (set to 0% for pension phase). A negatively geared loss gives no tax refund in an SMSF — tax only applies when the property is positively geared.

Split ownership between two owners? ?

No Yes

The property's taxable loss or gain is apportioned by ownership and taxed at each owner's own marginal rate.

Owner 1 — Ownership % ?

%

Owner 1 — Income (p.a.) ?

$

Owner 2 — Ownership % ?

%

Owner 2 — Income (p.a.) ?

$

Employment Income (p.a.) ?

$

Marginal Tax Rate (override) ?

%

Depreciation (Year 1) ?

$

Depreciation Decline Rate (p.a.) ?

%

Depreciation reduces taxable income. Enter building & fittings depreciation.

Assumptions ▾

Annual Capital Growth Rate ?

%

Annual Inflation Rate ?

%

Rent Growth Rate (p.a.) ?

%

Vacancy Rate ?

%

Year-on-Year Assumptions — override any value per year

↺ Reset

Enter your details above to see your property investment analysis.

Year 1 Breakdown Year-on-Year Summary

P&I Interest Only

© Investie Buyers Agency Pty Ltd. All rights reserved. The figures shown are estimates only and do not constitute financial, taxation, or investment advice. Investie Buyers Agency Pty Ltd and its affiliates accept no liability for any decisions or actions taken based on these calculations. Please seek independent professional advice before proceeding.