Free online Australian investment property calculator
A free online calculator for Australian investment property: rental yield, cashflow, break-even rent and stamp duty in every state and territory. Every line is shown so you can check it against your own numbers. No signup; calculations run in your browser and shareable links contain your scenario figures.
Current equity & capital growth
Growth compares current market value with the purchase price, excluding purchase costs, selling costs and tax. It is cumulative, not annualised.
- Current market value
- $750,000
- Current loan balance
- $600,000
- Current equity ($)
- $150,000
- Capital Growth vs Purchase ($)
- $0.00
- Capital Growth vs Purchase (%)
- 0.00%
Current market value minus current loan balance. Can be negative.
Change in market value divided by purchase price.
Cash you need at settlement
Purchase costs are assumed paid in cash, not borrowed.
- Purchase price
- $750,000
- Transfer duty (NSW)
- $27,937
- Other purchase costs
- $5,300
- Total cost of the property
- $783,237
- Less loan
- − $600,000
- Cash required
- $183,237
- Deposit alone
- $150,000
- LVR
- 80.00%
Your deposit is the equity in the property. The cash required also covers duty and fees.
Income
- Gross annual rent (52 weeks)
- $33,800
- Less vacancy
- − $1,300
- Rent collected
- $32,500
- Total income
- $32,500
2 weeks per year
Operating costs
What the property costs to run, before any loan repayment.
- Council rates
- $2,200
- Water rates
- $1,100
- Landlord insurance
- $1,400
- Management fee
- $2,503
- Letting fee
- $650
- Repairs & maintenance
- $2,000
- Total operating costs
- $9,853
7.7% of rent collected
1 week(s) of rent, once a year
Net operating income
Income less operating costs, before any loan. This is the earning power of the property itself — it is the same whoever buys it, which is what makes yields comparable between listings.
- Total income
- $32,500
- Less operating costs
- − $9,853
- Net operating income
- $22,648
Loan repayments, year 1
- Repayment type
- Principal & interest
- Interest
- $37,001
- Principal
- $7,097
- Total repayments
- $44,098
Cash out the door, but it becomes equity rather than being spent.
Cashflow
Net operating income less total loan repayments.
- Net operating income
- $22,648
- Less loan repayments
- − $44,098
- Annual
- −$21,450.22
- Monthly
- −$1,787.52
- Weekly
- −$412.50
- Cash-on-cash return
- -11.71%
First-year cashflow against the cash you put in.
Yields
Gross yields use asking rent; net yields use net operating income. All yields exclude loan repayments.
- Gross yield on price
- 4.51%
- Gross yield on current value
- 4.51%
- Gross yield on total cost
- 4.32%
- Net yield on price
- 3.02%
- Net yield on total cost
- 2.89%
The figure quoted in listings — 52 weeks of asking rent, no vacancy allowance.
52 weeks of asking rent divided by current market value, before vacancy and expenses.
Against what you actually outlaid, including duty and fees.
Break-even
- Rent to break even
- $1,125.09 / week
- Rent to cover interest only
- $967.90 / week
- Interest rate to break even
- 0.84%
Covers operating costs and full principal & interest repayments.
Excludes principal, on the view that principal is equity rather than a cost.
The rate at which cashflow reaches zero, all else held constant.
How the investment property calculator works
Enter the purchase price, weekly rent, vacancy allowance, operating costs and loan terms to compare gross yield, net yield and first-year cashflow. Each result includes a breakdown of the income and costs used.
Current equity equals current market value minus current loan balance. Capital growth compares market value with purchase price. Gross yield on current value divides annual gross rent by today’s value. These snapshot inputs do not change the original purchase-loan repayment model.
Calculations run in your browser. Shared links include your scenario figures in the URL. Rates and model assumptions have limitations; see the methodology and rate sources.