Investment calculator

Run the numbers before you buy.

Enter a price and a rent. You'll see the yield, your weekly cash flow and how value, loan and equity could change over 2, 5, 10 and 20 years, at a growth rate you choose.

Updates as you type
Before tax
General information only

The property

Purchase price

Weekly rent

Use a rental appraisal if you have one.

Empty weeks a year

Time between tenants, when no rent comes in.

Deposit and loan

Deposit

10%$65,000 20%$130,000

With a 10% deposit, lenders usually add mortgage insurance (LMI), which isn't included here.

Stamp duty and buying costs

Estimate Depends on your state. We start at 4% of the price.

Interest rate

Repayments

Interest onlyLoan stays the same Principal & interestPaid off over 30 years

To keep things simple, interest only runs for all 20 years here. In practice it usually runs for a set period, and then repayments go up.

Running costs $6,100 a year

Council rates

Water

Property management

Insurance landlord and building

Strata or body corporate

Maintenance

Costs rise each year by

All figures are per year. Change any of them to match the property.

Growth: your assumptions

Value growth a year

Your assumption, not a forecast. Values can also stay flat or fall, so try a low and a high number to see the range.

Rent growth a year

Weekly cash flow

Year one · before tax

−$160a week

Cash flow negative: you'd top up about $160 a week.

Gross yield: 4.80%Rent × 52 ÷ price
Net yield: 3.68%After empty weeks and costs
Upfront cash: $156,000Deposit $130,000 + costs $26,000
Loan: $520,000$620 a week, interest only

Value, loan and equity

Projected value
Loan
Equity

Choose a value growth rate to see the projection.

In 10 years

Net cash you've put in $248k

Estimated equity —

Choose a value growth rate to see the projection.

Estimates for general information only, not financial, tax or credit advice. What's left out

At a glance: 2, 5, 10 and 20 years

Value growth: choose a rate to see the projection. Rent grows 0% a year and costs 3%; 6.2% interest, interest only; 2 empty weeks a year.

Projected value, loan, equity, rent and cash flow after 2, 5, 10 and 20 years
	2 years	5 years	10 years	20 years
Projected value	—	—	—	—
Loan	$520k	$520k	$520k	$520k
Equityvalue less loan	—	—	—	—
Weekly rentthat year	$600	$600	$600	$600
Cash flow to datebefore tax	−$17k	−$44k	−$92k	−$209k
Net cash you've put inupfront, net of cash flow	$173k	$200k	$248k	$365k

Weekly cash flow−$160

Gross yield4.80%

Results

How to read this

Three things worth knowing

Cash flow is before tax

It's the rent you collect, less running costs and repayments, in year one. Tax and depreciation aren't counted; your accountant can work out your position after tax.

Growth is your assumption

The 0%, 3%, 5% and 7% buttons are examples to compare, not forecasts. Values can rise, stay flat or fall, and past growth doesn't guarantee future growth.

Equity isn't cash in hand

Equity is the estimated value less what you owe. You can only use it by selling or refinancing. Both have costs, and refinancing depends on a lender.

Want us to run the numbers on a real property?

We start with your goals, then bring you a property that fits, with its rental appraisal, suburb report and the numbers behind it.

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