WEEKLY HOLDING COST
Rental property cash-flow calculator
See the weekly contribution or surplus after rent, running costs and loan repayments. Start before tax.
See a worked exampleYour property
Overview
Review unconfirmed costs
Enter each amount, or 0 if it does not apply.
Where the rent goes
Rent and the costs you’ve entered.
Show calculation
Read the full methodology ↗Your key takeaways
Stress test
How much room do you have?
Change the conditions. Your saved base scenario stays intact.
Annual cash flow at different rates and vacancies
Each cell is a scenario, not a likelihood. Matrix excludes the one-off repair and tax.
Your rent safety margin
A price that meets your yield target
Uses the same rent and operating costs. Excludes purchase costs, finance, tax and price growth.
Forecast
Follow the investment through time
Full year-by-year figures
Alternatives
What else could your money do?
Compare property, savings and shares with the same starting cash and the same extra contributions.
Your rate, compounded annually.
Historical averages to 31 Dec 2025, with dividends reinvested. Past returns do not predict future returns. Sources & calculation
Fees & currency settings
The S&P 500 projection converts the USD scenario using your constant annual FX assumption. It is not a historical AUD return.
Ending wealth on the same cash budget
Year-by-year comparison
Concentrated asset, debt exposure, repairs and selling time. Sale costs included; capital gains tax excluded.
Lower capital risk, with changing rates and inflation risk. Eligible deposits may have FCS protection up to $250,000 per account holder per ADI.
Check deposit protection ↗Market fluctuations and, for US investments, currency exposure. Smooth growth lines do not represent real market volatility.
Is a new loan worth the switch?
Compare repayments, switching costs and the debt left to repay.
Your current loan
The new offer
Loan terms, fees and offset
Monthly model, with unchanged rates and offset. Before tax. Refinancing explained
Compare properties
Put your shortlist on the same page.
Select up to four saved scenarios. Compare both the outcome and the assumptions behind it.
Your shortlist starts here.
Save a property, then duplicate it to test a different price or add another property.
Net rental yield
Research checklist
Good inputs make better decisions.
Record what you’ve checked and where the figure came from. Saved with this property on your device.
PROPERTY GUIDES
Understand the numbers.
Gross vs net rental yield: what actually comes back to you
A property can advertise an attractive yield and still deliver a modest income. Here is where the difference goes.
Read guide Cash flow · 4 min readHow much does an investment property cost per week?
Calculate your weekly holding cost from collected rent, ownership bills and full loan repayments.
Read guide Investment comparison · 5 min readProperty vs shares vs savings: compare the same money
A property’s price is not the amount of cash you invest. Start with equal cash budgets, then compare the outcome and the risks.
Read guide Buying a property · 4 min readInvestment property due diligence: check the expensive assumptions
A useful property file contains evidence for the rent, the bills and the building condition. Start with the figures that could change your decision.
Read guideHow to calculate rental property cash flow
Annual cash flow = collected rent − operating costs − full loan repayments − entered capital spending. Divide by 52 for the average weekly result. A negative result is a contribution you need to fund; a positive result is a surplus under the entered assumptions.
Enter rent and vacancy, add the ownership bills, then choose cash purchase or mortgage in Funding. Unknown costs stay unconfirmed. Weekly figures are annual averages, not a schedule of when bills or repayments fall due.
A property with positive yield and a weekly shortfall
- Rent collected after vacancy
- $32,500 / year
- Operating costs, including management
- $11,875 / year
- Income before loan repayments
- $20,625 / year
- Full principal-and-interest repayments
- $34,534 / year
- Before-tax cash flow
- −$13,909 / year
- Average weekly contribution needed
- $267 / week
Inspect the example inputs
- Purchase price $600,000; rent $650 a week; two weeks without rent each year.
- Annual rates $2,000; water $900; strata $3,500; insurance $1,200; maintenance $2,000.
- Management fee 7% of collected rent. Land tax and other running costs are set to $0 for this example.
- Loan $480,000 at an assumed 6% for 30 years, principal and interest, no offset. No extra capital spending or tax adjustment.
These are illustrative inputs, not current quotes or estimates for a particular property. Buying costs are separate from these annual figures.
The same property has a 3.44% net rental yield, but its loan payments exceed net operating income. $20,625 − $34,534 is about −$13,909 a year, or −$267 a week. Repayments use monthly compounding; figures here are rounded to whole dollars.
Open this cash-flow exampleCash flow is different from taxable income
Full principal-and-interest repayments reduce available cash. Repaying principal is not a rental tax deduction. The optional tax scenario is separate, uses your assumptions and does not decide eligibility or guarantee a refund. Check the ATO rental-expense guidance before relying on a deduction.
Test vacancy, higher bills and different rates rather than treating one year's average as a buffer. ASIC's investment-property guide explains costs and risks. For our model's boundaries, read the weekly holding-cost guide and methodology.
Comparing rental income before the loan? Use the rental yield calculator. Checking upfront cash instead? Use the purchase-cost calculator.