Cashflow & equity
What an investment property actually costs you each week after tax, and what it builds over ten years. Every assumption is yours to change.
Weekly cashflow, year by year
What the property costs you out of pocket each week once your tax position is settled. Rent compounds faster than a fixed repayment, so the bars climb.
What it costs you in total
Equity build
How much rests on the growth rate
The single assumption that decides whether this works. Everything else on this page is arithmetic; this one is a guess, so test it before you rely on it.
Total return is equity at year 10 plus every dollar of cashflow along the way, less the cash you put in. It excludes selling costs and capital gains tax.
Income statement
The same model written as a cashflow statement, in the years that matter.
Take the numbers with you
Print the whole model as a PDF for your accountant, or copy a link that reopens this exact scenario — every slider where you left it.
General information only. Not financial, tax, credit or investment advice, and not a forecast. Capital growth and rent growth are assumptions you choose, not predictions — small changes compound into very different ten-year outcomes. Depreciation is a simplified estimate; a quantity surveyor's schedule will differ, and plant and equipment is generally not deductible on second-hand residential property acquired after 9 May 2017. Tax is estimated on FY2026–27 resident rates plus the Medicare levy, and assumes the property is held in one personal name and negatively geared against salary income — joint ownership, trusts and companies all behave differently. Land tax is estimated from a general single-holding rate applied to an assumed land-value share, ignores aggregation across your other holdings, surcharges and exemptions, and will be wrong for many owners. Capital gains tax and selling costs are not modelled. Confirm everything with your accountant before investing.