Investment Property Calculator.
Will this property pay for itself?
The property
Running costs & assumptions
Out of pocket before tax
After the negative-gearing deduction at your 39% marginal rate, that improves to about −$196/wk - before depreciation, which often helps further.
Gross yield
4.5%
Net yield
2.7%
Cash needed upfront
$187,500
Equity in 10 yrs
$510,183
Annual cash flow
Projected equity over 10 years · 4.0% growth
Peak: $510,183
Break-even rent at these settings: $985/wk - you're $335/wk short of covering costs.
How this is calculated＋
Cash flow = rent (less vacancy) minus loan costs, management and holding costs. The gearing effect deducts any rental loss (using interest, not principal) against income at your marginal rate including Medicare levy. Equity projection compounds the property value at your growth rate and reduces the loan balance if P&I.
- Upfront cash assumes your deposit plus ~5% of price for stamp duty, legals and inspections - it varies by state.
- Depreciation (especially on newer builds) can add thousands in paper deductions - not modelled here.
- LMI applies under a 20% deposit and is not included.
LINK Living finds and manages the property; LINK Advance structures the loan. One connected team.
Talk to Living →Indicative estimates only - excludes exact stamp duty, LMI, depreciation schedules, land tax and CGT. Not financial, credit or tax advice.