PropertyCal

Free Property Cashflow Calculator

Search an address to generate a cashflow report.

Cashflow Inputs
Deposit %Deposit as a percentage, e.g. 20 for 20%.
%
LMI EstimateTotal LMI amount (deducted over 5 years).
Stamp DutyUpfront government duty at purchase.
Solicitor ChargeLegal fees for conveyancing.
Building & Pest Inspection + Other CostsInspection and other upfront costs.
Council (Annual)Annual council rates.
Water (Annual)Annual water rates.
Strata (Annual)Annual strata/body corporate fees.
Building Insurance (Annual)Annual building insurance premium.
Landlords Insurance (Annual)Annual landlord insurance premium.
Inflation RateAnnual expense inflation rate (%).
%
Rental Increase RateAnnual rent growth rate (%).
%
Deposit Source - Cash or equityHow the deposit is funded.
Mortgage RateInterest-only rate for loan 1.
%
Mortgage AmountBalance for loan 1.
Annual Borrowing / Package CostsAnnual loan package or fee costs.
Property Manager RateManagement fee as a percent of rent.
%
Depreciation EstimateAnnual depreciation amount.
IncomeYour annual income.
Income Tax RateCalculated automatically from income brackets.
%
Property Cashflow Worksheet
Projection Years
5-Year Projection
Inflation 3% · Rental Increase 3%
YearRentExpensesNet After Tax
1$0$37,895-$24,607
2$0$38,147-$24,783
3$0$38,406-$24,964
4$0$38,673-$25,151
5$0$38,949-$25,344
Showing Year 1 (select the year from graph)
SummaryYearlyMonthlyWeekly
Income
Rent$0$0$0
Expenses
@ Interest Only repayments$29,100$2,425$560
Council Rates$2,000$167$38
Water Rates$800$67$15
Property Agent (incl. GST) @$0$0$0
Strata / Body Corporate$3,600$300$69
Building / Landlords Insurance$1,600$133$31
Annual Borrowing Costs$395$33$8
LMI (Amortized over 5 years)$400$33$8
Total Expenses$37,895$3,158$729
Tax Return
Depreciation (Estimate Only)$6,000$500$115
Net Taxable Gain / (Loss)-$44,295-$3,691-$852
Tax Return ie Cash Back / (Tax Payable)$13,289$1,107$256
Cash Out / In
Net Income / (Loss) pre non-cash deductions-$37,895-$3,158-$729
Net Cash (Out ) / In Flow After Tax (Approx)-$24,607-$2,051-$473
RatiosGross Yield 0.00%LVR 0.00%Net Equity -$420,000
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