Property Cash Flow Calculator
Will that investment property put money in your pocket or need a weekly top-up? Enter the numbers and see cash flow, yields and gearing instantly — then stress-test rates and rents.
Understanding investment property cash flow
Cash flow is what’s left of the rent after all expenses and loan repayments. If it’s positive, the property pays you each week (positively geared); if negative, you contribute the shortfall (negatively geared) — usually in the expectation of capital growth.
The numbers investors watch
- Gross yield — annual rent ÷ purchase price. A quick comparison tool between properties and suburbs.
- Net yield — annual rent minus running costs ÷ value. Closer to reality, since rates, insurance, management and maintenance add up.
- Cash-on-cash return — annual cash flow ÷ the cash you actually put in. What your money is really earning.
Don’t forget the hidden costs first-time investors miss: vacancy (even one week a year matters), letting fees, land tax as your portfolio grows, and a realistic maintenance allowance on older properties.
Building a portfolio? Model everything together in the Property Portfolio Builder.
Important information. These calculators provide estimates for general information and educational purposes only. Results are based on the information and assumptions entered and may not reflect your actual financial position or eligibility. They do not constitute financial, credit, taxation, investment or legal advice. Lending criteria, interest rates, taxes, government charges, stamp duty rates and concessions can change. You should obtain advice appropriate to your circumstances from appropriately qualified professionals.
Projections: property values, rents, expenses and interest rates can rise or fall. Projections are hypothetical scenarios based on assumptions selected by the user and are not forecasts or guarantees of future performance.