Free calculator
Property Investment Calculator
Use this Australian property investment calculator to assess any rental property in seconds. Enter your purchase price, deposit, rent and expenses to see gross and net yield, weekly cash flow (before and after tax), cash-on-cash return and total annual return including capital growth. Built for the Australian market — uses AUD, AU tax rules, and tracks negative gearing impact.
Property Investment Analyzer
Underwrite an Australian investment property end-to-end. Get yield, cash flow, tax position and total return in seconds.
Inputs
Results
Loan amount
$600,000
Cash invested
Deposit + acquisition costs
$185,000
Gross annual rent
$31,200
Annual expenses
$6,860
Annual interest (yr 1)
$35,800
Gross yield
4.16%
Net yield
3.16%
Pre-tax cash flow
-$374/wk
-$19,452/yr
Tax impact
Refund (negatively geared)
$7,431
After-tax cash flow
-$231/wk
-$12,021/yr
Cash-on-cash return
-6.50%
Capital growth (yr 1)
$30,000
Total return (yr 1)
$25,347 (13.70%)
How this calculator works
Gross yield is annual rent divided by purchase price. Net yield subtracts vacancy, management fees, rates, insurance, strata and maintenance from rent before dividing by price — a much better measure of how the property actually performs.
Cash flow takes net operating income and subtracts your annual loan repayments (principal + interest in year 1). After-tax cash flow adds back your tax refund (or subtracts extra tax payable) based on your marginal tax rate.
Cash-on-cash return measures after-tax annual cash flow against the cash you actually invested (deposit + acquisition costs). Total return year 1 adds the first year of capital growth and the principal you paid down on your loan.
This calculator is educational and not financial advice. Speak to a licensed financial adviser and tax agent before making investment decisions.