Property cashflow is the difference between what a property earns and what it costs to hold. This calculator estimates simple pre-tax cashflow using rental income, loan interest, and common holding costs. It is intentionally simple: it excludes depreciation, principal repayments, and tax outcomes which require personalised advice. Use it as a first-pass filter to understand whether a market or property is likely to be cashflow-positive, neutral, or negatively geared before tax.
Interest is calculated from your loan details above.
Pre-tax cashflow only. Excludes principal repayments, depreciation, tax, and one-off costs. Interest calculated at 6.5% on $400,000 loan (80% LVR).
Enter the purchase price, your expected LVR (loan-to-value ratio), interest rate, and weekly rent. Then adjust the expense estimates (defaults are set to typical Australian investment property costs). The calculator updates instantly to show your estimated annual and monthly cashflow position.
This is an indicative pre-tax cashflow estimate using simplified assumptions. Actual cashflow depends on your specific borrowing rate, lender terms, vacancy, management quality, and expense profile. This is not financial or borrowing advice. Consult a mortgage broker and financial adviser before making any investment decision.
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