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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.

Property address

Purchase Details ▾

Property Purchase Price

$

State / Territory NSW VIC QLD SA WA TAS ACT NT

Property Type House / Land Unit / Apartment

Projection Period (years)

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

Loan Details ▾

LVR (%)

%

Deposit ($)

$

Interest Rate (p.a.)

%

Loan Term (years)

Interest-Only Period (years)

Acquisition Costs ▾

Stamp Duty

$

← Auto-calculated. Override if needed.

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

$

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 calculated at the flat 15% super rate instead of your marginal rate (set the rate to 0% for pension phase).

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

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