Investment Property Cashflow Calculator
Calculate your investment property weekly cash flow. See your gross yield, net yield, and whether your property is positively or negatively geared.
Maximise your investment return
A Rovo broker can structure your investment loan to improve cash flow -- interest only, offset, and rate negotiation.
Estimates only. Does not include depreciation, land tax, or capital gains. Tax implications vary -- consult a tax adviser. Jitendra Khatri is a Credit Representative (570729) and Rovo Finance (NJ IT PTY LTD ABN 67 654 854 378) is a Corporate Credit Representative (CCR 570633) of Broker ACL Pty Ltd ACN 681 761 375 (ACL 563763).
Understanding investment property cashflow
Cash flow is the difference between your rental income and all costs of ownership — loan interest, property management, council rates, insurance, maintenance, and vacancy allowance. This calculator gives you weekly and annual cash flow, gross yield, net yield, and cash-on-cash return — the key metrics experienced investors use to assess a deal.
How to use this calculator
- Property value — current market value.
- Loan amount — what you are borrowing (typically 80% for investors).
- Interest rate — investment rates are typically 0.3-0.6% above owner-occupier rates.
- Loan type — Interest Only (lower repayments, full tax deduction) or Principal and Interest.
- Weekly rent — current market rent.
- Vacancy — weeks vacant per year. 3 weeks is a common estimate.
- Annual expenses — property management, rates, insurance, maintenance, strata.
Positive vs negative gearing
Positive gearing
Rental income exceeds all holding costs. The surplus is taxable. More common in regional areas with higher yields. Benefits include immediate income and resilience to rate rises.
Negative gearing
Expenses exceed income — the weekly loss can be offset against employment income for tax purposes. Common in major cities with high property prices and lower yields. Benefits include tax deductions and potential for stronger capital growth.
Key metrics explained
Gross yield
Annual rental income divided by property value, multiplied by 100. Simple comparison tool — does not account for expenses.
Net yield
Annual rental income minus expenses, divided by property value. Accounts for operating costs but not loan interest.
Cash-on-cash return
Annual net cash flow divided by equity. Measures return on the cash you actually have in the property — useful for comparing leveraged property investment to alternatives.
Investment property market context (2025)
Australian capital city gross yields range 3.5-5.5%, with regional areas offering 6-7%. With investment rates at 6.2-6.8% in 2025, most capital city investors are negatively geared. Strong rental growth in recent years has improved cash flow positions significantly compared to 2022-23.
How Rovo Finance can help
A Rovo broker can source competitive investment loan rates, advise on interest only vs P and I, structure loans to preserve deductibility across multiple properties, and help plan future portfolio growth. The service is free to you.