Members Tool

Cash Flow Analyser

Enter a property's details to see its complete cash position — income, expenses, mortgage, negative gearing benefit, and net weekly cash flow before and after tax.

Property Details
Purchase price and deposit
$
Deposit Amount $100,000
Stamp Duty (est.) $15,850
Loan Details
Mortgage structure and rate
%
Loan Amount $400,000
Rental Income
What the property will earn
$
Annual Rental Income $25,000
Annual Expenses
All property-related outgoings
%
$
$
$
$
$
Your Tax Profile
For negative gearing calculation
Net Cash Flow
Per Week (after tax)
−$148
Negatively geared · tax benefit included
Income
Rental income +$500
Mortgage
Repayment (IO) −$476
of which: interest $476
Cash Expenses
Property management −$43
Council & water rates −$52
Insurance −$29
Strata / body corp —
Maintenance −$38
Pre-tax cash flow −$138
Tax Effect
Neg. gearing tax refund +$0
Net cash flow (after tax) −$138
5.00%
Gross rental yield
3.20%
Net rental yield
−4.1%
Cash-on-cash return
$115,850
Total cash invested
Negatively geared — rental income is less than deductible expenses. The tax refund reduces your out-of-pocket cost.
Estimates only. Based on Year 1 interest payments. Depreciation not included. Consult a qualified accountant for tax advice. Full disclaimer →