Investment Property ROI Calculator

Enter your property details, loan, rental income, and all ongoing costs to see gross yield, net yield, annual cash flow, and a 5-year projection.

Property Purchase

Purchase Price ($)

Deposit (%)

State / Territory

Buyer Type

Stamp Duty ($) auto-estimated

Legal / Conveyancing ($)

Building & Pest Inspection ($)

Other Purchase Costs ($)

Loan Details

Interest Rate (% p.a.)

Loan Term (years)

Loan Type

Rental Income

Weekly Rent ($)

Vacancy Rate (%)

Annual Rent Growth (%)

Annual Ongoing Expenses

Property Management Fee (%)

Council Rates ($)

Water Rates ($)

Strata / Body Corporate ($)

Landlord Insurance ($)

Maintenance & Repairs ($)

Capital Growth & Tax

Assumed Annual Capital Growth (%)

Marginal Tax Rate (for negative gearing)

Upfront Costs

Deposit $150,000

Loan Amount $600,000

                                        Total Cash Required
                                        $181,100
                                        Deposit + stamp duty + all purchase costs
                                    

Rental Yield

Gross Yield 4.51%

                                        Net Yield
                                        3.21%
                                        After all expenses, before interest
                                    

Annual Cash Flow (Year 1)

Annual Rental Income $33,072

Annual Interest Cost $36,000

All Other Expenses $8,446

                                        Annual Cash Flow
                                        -$11,374
                                        -$219/week · negatively geared
                                    

Tax Refund (negative gearing) $3,696

After-Tax Cash Flow -$7,678 -$148/week after tax refund

Total Return (Year 1)

Capital Growth (est.) $37,500

                                        Total ROI on Cash Invested
                                        16.4%
                                        (Capital growth + after-tax cash flow) ÷ cash invested
                                    

5-Year Projection

Cash flow shown is after-tax (includes negative gearing refund where applicable). Expenses grow at 2.5% p.a.

Year	Property Value	Annual Rent	Interest Cost	After-Tax Cash Flow	Equity	Cumul. Cash Flow

Disclaimer: This calculator provides estimates for planning purposes only. Actual returns depend on market conditions, lender policies, ATO rules, and individual circumstances. Capital growth figures are assumptions — past performance is not a guide to future performance. This is not financial or tax advice. Always consult a licensed financial adviser and tax professional before making investment decisions.

Property ROI Calculator

Investment Property ROI Calculator

5-Year Projection

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