Free investor tool
Investment property calculator
See what an investment property would cost you, or pay you, each week once rent, holding costs and loan repayments are counted. Switch between interest-only and principal-and-interest.
Updated · Free, no sign-up
How it works
Positive, neutral or negative cash flow
A property is cash flow positive when the rent you collect covers every holding cost and the loan repayments, and negative when you top it up from your own income. Neutral sits in between. Most properties bought with a large loan start negative and improve as rents rise.
Principal-and-interest repayments include paying down the loan, which is saving rather than a cost, so the calculator shows both the cash you pay out and the part of it that reduces your debt. Tax deductions such as interest and depreciation can change the after-tax result; the negative gearing calculator covers that.
The numbers are one part of the decision
We look at the figures alongside growth drivers, vacancy, supply and how a property fits your borrowing and portfolio plans, then choose the market that suits your strategy, wherever it is in Australia. See how we buy investment property.
FAQ
Common questions
What is a cash flow positive property?
One where the rent collected is more than the total of holding costs and loan repayments, so it adds to your income each week before tax.
Should I compare interest-only or principal-and-interest?
Interest-only shows the property's running cost on a like-for-like basis. Principal-and-interest shows the cash you will actually pay out, part of which reduces your loan. Looking at both gives the full picture.
What costs should I include?
Property management fees, council rates, water service charges, strata levies for units and townhouses, landlord and building insurance, repairs and maintenance, and land tax if it applies in your state and your landholdings exceed the threshold.
Is this financial advice?
No. It is a general estimate to help you compare options. It does not consider your personal circumstances, and results depend on the figures you enter. Check them with your accountant, mortgage broker or financial adviser before you act.
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Estimate lenders mortgage insurance when you borrow more than 80% of a property's value, and the deposit that avoids it.
Rental yield calculator
Gross and net rental yield, the full cost breakdown, and weekly cash flow after interest.
Negative gearing calculator
The tax effect of a loss-making investment property, and how the 1 July 2027 rules apply to when you bought.
Land tax calculator
Yearly land tax on your investment land in each state, with every state compared at the same value.
Want us to run the numbers with you?
Book a free discovery call. We work only with investors and buy across Australia.
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