Interactive Tool

Investment Property Calculator

Adjust the sliders to model your property investment - see gross yield, cash flow, depreciation tax benefits, and your estimated after-tax weekly position.

Based on your inputs, this property costs approximately $XX/wk after tax Illustrative estimate only. See disclaimer below.

Your Property

$650,000
$350k$1.2M
20%
5%40%
6.5%
4.0%10.0%
$550/wk
$300$1,200

Assumptions used

  • Property management: 8.8% of rent
  • Rates, insurance & maintenance: ~$3,200/yr
  • Build cost: 62% of purchase price (for new H&L)
  • Div 43 depreciation: 2.5% of build cost p.a.
  • Div 40 fixtures: estimated 1.6% of build cost p.a.
  • Interest-only loan assumed

Your Numbers

Loan Amount $520,000
Annual Interest (I/O) $33,800/yr
Rental Income
Gross Annual Rent $28,600/yr
Gross Yield 4.40%
Less: Expenses $5,717/yr
Net Yield 3.51%
Cash Flow
Pre-Tax Cash Flow -$10,517/yr
Depreciation Deductions $12,710/yr
Tax Benefit / (Liability) $8,598/yr
After-Tax Result
Annual After-Tax Cash Flow -$1,919/yr
Weekly After-Tax Position -$36.90/wk
Estimated depreciation claim: $12,710 per year - a non-cash deduction that reduces your tax bill without leaving your pocket.
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Important Disclaimer

This calculator provides illustrative estimates only and does not constitute financial, taxation, investment, or legal advice. Results are based on simplified assumptions and will differ from actual outcomes. Rental yields, interest rates, expenses, and depreciation entitlements vary. Always consult a qualified financial adviser, accountant, and mortgage broker before making any investment decision. Property investment involves risk and past performance does not guarantee future results. ABN 27 166 308 892.

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This calculator is a guide. Our team will model your specific property, tax position, and borrowing capacity - at no cost to you.

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