Investment Property Calculator — Value Lending
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Investment Property Calculator

Model cashflow, equity growth, and long-term returns — factoring in purchase costs, loan structure, running expenses, and rental income.

Purchase & Costs
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$
$
$
$
Loan Details
$
%
yrs
Deposit Funding
Rental Income
$
%
% p.a.
Annual Running Costs
$
$
$
$
%
%
$
Loan Fees
$
$
Growth Assumption
% p.a.

Note: These projections do not factor in negative gearing tax benefits. Where the property is negatively geared, your actual after-tax cash position may be more favourable than shown. Speak with your accountant or a financial adviser to understand the tax implications for your situation.

Enter your property details and press Calculate Returns to begin.

Cashflow Forecast
Gross Rent
Running Costs
Mortgage
Net Cashflow
Projection:
Projection:
Property Value
Loan Balance
Equity
Projection:

Cashflow

Gross Rent
Running Costs
Mortgage
Net Cashflow

Capital Growth & Equity

Property Value
Loan Balance
Equity
Annual Cashflow
Figures shown per year
Year Gross Rent Running Costs Loan Fees Mortgage Deposit Loan Net Cashflow Net Weekly Cumulative
Run the calculation to see cashflow data.
Capital Growth & Equity
Figures shown per year
Year Property Value Loan Balance Equity Equity Growth LVR Total Return
Run the calculation to see growth data.
Save your results
Print or save as PDF — output is formatted for landscape A4 with all inputs included.

Ready to structure your investment loan?

Portfolio growth depends on how existing debt is structured as much as the properties acquired. For a full assessment of your investment lending position, speak with Value Lending.

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This calculator provides indicative projections only. Stamp duty is estimated at each state's standard (investor) rate from the purchase price and excludes foreign purchaser and premium surcharges and transfer and mortgage registration fees. It does not account for tax implications, depreciation benefits, changes in interest rates, or market conditions. All cashflow figures are pre-tax. Capital growth is compounded annually. This tool does not constitute financial or credit advice. Value Lending Pty Ltd is a Corporate Credit Representative (515167) of Connective Credit Services Pty Ltd (ACL 389328).