Investment Property Cash Flow Calculator
Estimate what it will cost to buy and hold an investment property before you make an offer.
What will it cost to buy and hold?
Buying an investment property is about more than just getting a loan and throwing a dart at the board. You also need to budget for your deposit, stamp duty, lender costs and the ongoing weekly cost of owning the property.
This calculator estimates your upfront buying costs and your expected weekly cash flow after rent, helping you understand whether a property fits your budget before you commit.
This calculator includes
Frequently asked questions
What is weekly cash flow?
Your weekly cash flow is the difference between the rent you receive and the weekly cost of owning the property, including loan repayments and ongoing expenses. A positive cash flow means the rent covers those costs with money to spare; a negative cash flow means you contribute the difference each week.
Does it include stamp duty?
Yes. The calculator estimates investor stamp duty based on the state or territory you select. First home buyer concessions are not included because they generally don't apply to investment properties.
Does it include tax benefits?
No. This calculator focuses on the upfront costs of buying and the ongoing cash flow from owning an investment property. Tax outcomes such as negative gearing and depreciation aren't included because they depend on your personal circumstances.
Are the figures exact?
No. This calculator provides indicative estimates only. Actual borrowing capacity, stamp duty, LMI, interest rates and lender policies vary. We'll confirm the exact figures before you proceed with a purchase.
Related calculators
Talk it through with Scott
These figures are a guide, not a guarantee, and they're not legal, financial, tax or credit advice. Book a free discovery call and get real numbers for your situation.