Investment Property Cash Flow Calculator

See what an investment property really costs you a week, after rent, interest and tax.

Your details

Property price

Deposit (cash you are putting in)

Interest rate

Loan term

yrs

Weekly rent received

Annual running costs

Council rates, insurance, property management, repairs and maintenance.

Annual depreciation claim

A deduction you claim on paper — it does not cost you cash each year.

Your annual taxable income

The year, money in vs money out

Costs you each week (after tax)

$97.40

Gross annual rent$33,800
Loan interest (first year)$37,601
Cash flow before tax-$9,801
Tax saved from negative gearing$4,736
After-tax position for the year-$5,065
Victorian stamp duty (upfront, investor)$40,070

Your broker looks at the loan, your accountant looks at the deductions and your adviser looks at whether the property fits the plan — this is all three in one number. At a taxable income of $120,000 your marginal rate including the Medicare levy is about 32%, which is what makes the deductions worth what they are. Depreciation of $5,000 reduces the tax bill without costing you cash, so the after-tax figure is better than the raw cash flow.

Get the broker, accountant and adviser view in one meeting

This calculator gives a general estimate only. It is not personal financial, credit or tax advice and does not take your objectives or circumstances into account.

What this calculator assumes

Tax is estimated using resident individual rates for 2026-27 including the Medicare levy and the low income tax offset, current as at July 2026. It ignores HELP debts, the Medicare levy surcharge, private health cover and any other income or deductions.
Interest is the first year of an amortising principal-and-interest loan at a constant rate. Interest falls a little each year as the balance reduces, so later years look different.
Stamp duty is the Victorian land transfer duty for an investment purchase. It excludes legal fees, building and pest inspections, lenders mortgage insurance and any other purchase costs.
Assumes the property is tenanted for the full year with no vacancy, no rent arrears and no unexpected repairs. It also assumes the property is held in your own name at 100%.
Capital growth is not included and is never guaranteed — property values can fall as well as rise. This is a general estimate only, not personal financial, tax or credit advice.
Rates and thresholds current as at July 2026.

This calculator provides a general estimate only. It is not personal financial, credit or taxation advice and does not take your objectives, financial situation or needs into account. Counting Beans A.F. provides financial advice under AFSL 491754 (D&M Financial Services Pty Ltd) and credit assistance under Credit Representative number 528884. Please read our Financial Services Guide and Credit Guide, and speak with us before acting on any result.

Investment Property Cash Flow Calculator

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What this calculator assumes

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