LandlordGauge

Rental property cash flow calculator Australia

Estimate Australian rental cash flow before and after income tax, the tax effect of losses, cap rate and cash-on-cash return.

Your property and borrowing

Purchase and mortgage

Agreed or asking price.

Cash towards the price, excluding purchase costs.

Default 4.6% is the RBA cash rate, not a mortgage offer. Use your lender's rate.

Mortgage type

Interest-only pays interest without reducing principal; principal and interest repays the balance over the entered term.

Your loan term, 1 to 50 whole years. Needed for principal-and-interest repayments only; leave empty for an interest-only loan.

Rent and operating costs

Rent before costs, multiplied by 52.

Annual deductible running levies, not capital works.

Annual amount you pay.

Annual amount from your assessment; enter zero if none.

Percentage of the annual rent.

Income tax assumptions

Eligible annual non-cash deduction from your records.

Annual taxable salary before tax, after employment deductions.

2026/27 Australian resident income tax bands. Medicare levy and tax offsets are excluded.

Your cash flow

Example result

This property gives $37.23 a week before tax and $60.68 after estimated 2026/27 income tax.

Before income tax

Weekly cash flow
$37.23
Annual cash flow
$1,936

After income tax

Weekly cash flow
$60.68
Annual cash flow
$3,155.20
Annual income tax saving from losses
$1,219.20

Returns

Cap rate
4.00%
Cash-on-cash return before tax
1.61%

Example: illustrative $100,000 salary on an interest-only loan.

Rates as of