Property Cash Flow Calculator
Work out your real weekly cost of owning an investment property after rental income, expenses, and tax deductions.
What is property cash flow?
Property cash flow is the difference between your rental income and all ownership costs — mortgage repayments, council rates, insurance, strata, property management fees, repairs, and more. A negatively geared property costs you money each week but may deliver tax benefits and long-term capital growth.
What we calculate
- Gross rental yield and net rental yield
- Weekly, monthly, and annual cash position
- Tax deductions including depreciation and interest
- After-tax cost — what you actually pay out of pocket
- Impact of proposed negative gearing reforms
Why cash flow matters
Understanding your true weekly cost is critical for budgeting. Many investors focus on the mortgage repayment alone, but the real cost includes dozens of other expenses — and the tax refund you receive can significantly reduce your out-of-pocket outlay.
Disclaimer: This calculator provides estimates only based on the information you enter and published ATO rates. It does not constitute financial or tax advice. Consult a qualified professional before making investment decisions.