Estimate first-year investment property cash flow.

Model rent, vacancy, holding costs, repayments, first-year pre-tax cash flow, and optional indicative tax-effect context for an Australian investment property.

Pre-taxestimate

Tax-effectoptional

No adviceestimate only

Cash-flow calculator

Enter rent and holding costs

Estimate only

Enter rent, vacancy, holding costs, and repayment assumptions for a first-year cash-flow estimate. The main result stays pre-tax; you can optionally add an indicative tax-effect estimate. This does not calculate land tax rules, borrowing capacity, depreciation schedules, or whether a property is suitable.

Rent and vacancy

State or territoryWeekly rentExpected rent per week when the property is tenanted.Weeks vacant per yearDefault is 2 weeks. Use your own allowance if you have one.

Annual holding costs

These fields start at $0 so examples do not enter your totals by accident. Use council notices, insurance quotes, strata levies, agent agreements, or professional advice where available.

Example placeholders only. They are included in totals only after you choose one, and should be replaced with actual quotes or notices.

Council ratesExample guide only: council rates are often a material annual cost.Water ratesExample guide only: water service charges may apply even when usage is recovered from tenants.Strata or body corporateOptional for houses; important for strata units or body corporate properties.Landlord insuranceExample guide only: landlord insurance may be separate from building insurance.Building insuranceOptional where building cover is included in strata or body corporate fees.Maintenance allowanceExample guide only: repairs and maintenance can occur even in the first year.Leasing or letting feesOptional annual allowance for leasing or reletting fees.Estimated annual land tax, if anyEnter your own estimate if it applies. PropGain is not calculating land tax here.Other annual costsRecurring property costs not listed above.

Property management

Leave this as none if you manage the property yourself. If you use an agent, enter your agreement percentage or annual estimate. Example percentages are guidance only and stay out of totals until you enter one.

Fee mode

Loan repayments

Cash flow includes the repayments you choose, including principal where applicable. This is different from a taxable rental position.

Calculated loanManual repayment

Repayment frequencyLoan amountInterest rateAnnual nominal interest rate.Loan termLoan type

Optional tax-effect estimate

Include indicative tax-effect estimate

Adds a rental tax position and cash flow after selected tax-effect assumption. It uses rent, expenses, first-year interest, depreciation if entered, and your selected marginal rate. It is estimate-only and not tax, financial, legal, credit, conveyancing, payroll, or investment advice.

Stress scenarios

Each successful estimate includes a combined pressure case and individual rate, rent, vacancy, and holding-cost scenarios. These are selected assumption changes, not forecasts or advice.

+1 percentage point rate-5% rent+2 weeks vacancy+10% holding costs

Edit stress assumptions

Rate rise

Added to the loan interest rate in calculated-loan mode.Rent reduction

Applied to weekly rent before vacancy is applied.Extra vacancyAdded to the baseline vacancy assumption, capped at 52 weeks.Holding-cost increase

Applied to recurring operating costs, not loan repayments or purchase costs.

Cash-flow result

Ready for a first-year estimate.

Results will show weekly, monthly, and annual pre-tax cash flow, rent after vacancy, holding costs, loan repayments, and optional tax-effect context when enabled.