Investment Property Calculator

Mortgage, offset & cash-flow modelling for Australian investment property. Tax / negative gearing is not included.

Scenarios

Stored in this browser only (local storage). Saving under an existing name asks before overwriting — that's also how you update a saved scenario. Share copies a link with the scenario encoded in the URL.

Purchase
$
$

Auto-fills to 20% of the price whenever the price changes.

$
$
$
Loan
Offset accounts

Offset balances are combined and subtracted from the loan before interest is charged, so they pay the loan off sooner. Add more accounts if your offset is split across several.

Rental income
$
Ongoing costs (per year)
$
$
$
$
$

Summary

Loan amount
Deposit applied
Upfront costs
LVR
Repayment
— per week
First payment: interest
First payment: principal
Gross yield
Net yield
Net rent (per week)
Cash flow (per week)
Cash flow (per year)
Total interest paid
Loan paid off
Property value at payoff

Milestones

Gross rent covers interest
Net rent covers interest
Effective owing reaches $0

Month-by-month breakdown

#Month RepaymentInterestPrincipal OffsetEffective owingLoan balance Property valueEquity