Investment property calculator
Calculate an investment property's upfront costs, cash flow and yield in one place. Test rates, rent and vacancy for Sydney and NSW purchases before you commit.
How do you work out if an investment property stacks up?
Add the purchase price, duty, legal and lender costs to find the cash needed. Then compare annual rent against loan interest, strata, rates, insurance, management and maintenance to see weekly cash flow. Test higher rates and vacancy. For Sydney, NSW and Australian purchases, the result is a scenario, not advice or a lending decision.
Upfront, holding and exit costs
Investors often focus on the weekly shortfall and overlook exit costs such as agent commission and capital gains tax. A complete scenario covers what you pay to buy, what it costs to hold and what you may pay when you sell.
Stress test the numbers
Increase the interest rate, add a vacancy period and include a one-off repair. If the property still fits your budget, the purchase is more resilient. If not, consider a different price range or property type.
What to verify next
Confirm rent with a local property manager, finance with a written loan quote, and tax outcomes with a registered tax agent before relying on any projection.
Frequently asked questions
Does this include tax deductions?
It can show simple scenarios, but your actual tax outcome depends on your circumstances. A registered tax agent should confirm deductions.
Can I compare two properties?
Yes. Use the compare properties tool to run side by side scenarios.
Is the result a valuation?
No. It does not estimate market value.