About the Property Investment Cash Flow Calculator
Whether an investment property is "positively geared" (puts cash in your pocket each week) or "negatively geared" (costs you money to hold, offset by tax benefits) comes down to comparing rental income against all the costs of holding the property. This calculator works out your estimated net cash flow.
How it works
- Annual rental income = weekly rent × 52.
- Property management fee = annual rental income × management fee percentage.
- Annual outgoings = (monthly loan repayment × 12) + annual expenses (rates, insurance, maintenance) + property management fee.
- Net annual cash flow = annual rental income − annual outgoings, and net weekly cash flow divides that by 52.
Assumptions and behaviour
- Assumes the property is tenanted year-round with no vacancy periods.
- The loan repayment you enter should be your actual monthly principal-and-interest or interest-only repayment — use the relevant mortgage calculator first if you don't know this figure.
- A positive result means the property is cash flow positive (positively geared); a negative result means it costs money to hold before any tax effects (negatively geared).
Limitations
- Doesn't include tax effects such as negative gearing deductions or depreciation, which can significantly change the after-tax picture for negatively geared properties.
- Doesn't account for vacancy periods, interest rate changes, or one-off costs like repairs or land tax.
- This is general information only, not financial, investment or tax advice — speak with a licensed adviser or accountant about your specific situation.
Privacy
The calculation runs entirely in your browser. Nothing is uploaded or stored.
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