Cash Flow Calculator
Calculate the real cash in and out for your investment property
Property & Loan Details
$
$
$
%
yrs
%
Percentage of rental income
$
Per year
$
Per year
$
Per year
$
Per year
$
Per year (0 if not applicable)
Results
Annual Cash Flow
-$18,580
Negative
Cash Flow Summary
Weekly
-$357
Monthly
-$1,548
Annual
-$18,580
Income & Expenses Breakdown
Annual Rental Income+$26,000
Mortgage Payments-$36,000
Interest Portion$36,000
Management Fees-$2,080
Council Rates-$2,000
Insurance-$1,500
Maintenance-$2,000
Water Rates-$1,000
Total Expenses-$8,580
Net Cash Flow (before tax)-$18,580
How to use this calculator
When to use this
You own or are evaluating an investment property and want to see the actual cash in and out each year. This gives you the full picture of holding costs before tax.
Steps
- Enter the property value and expected weekly rent.
- Enter your loan amount, interest rate, and choose between Interest Only or Principal & Interest.
- Adjust the ongoing expenses — management fees, council rates, insurance, maintenance, water rates, and strata.
- Review the results to see your weekly, monthly, and annual cash flow.
Understanding your results
- Positive (green) means your rental income exceeds all expenses — the property pays for itself.
- Neutral (amber) means you're within $1,000/year of breaking even.
- Negative (red) means you're out of pocket — but you may still benefit from tax deductions and capital growth.
Tips
- Aim for at least neutral cash flow. Negative cash flow properties rely on capital growth and tax benefits to make up the shortfall.
- Factor in vacancy — typically 2–4 weeks per year with no rent coming in.
- Management fees are tax deductible, as are most other expenses shown here.