Property Cashflow Calculator

Negative gearing changes in 2027. Analyse rental yield, cashflow, CGT and stamp duty for every Australian state. Free for your first 2 properties.

Make smarter property investment decisions.

Property Cashflow Calculator is Australia's most complete investment property analysis tool. Get instant clarity on rental yield, cashflow, tax position and long-term returns — whether you're buying your first investment property or managing a growing portfolio.

CASHFLOW ANALYSIS • Pre-tax and post-tax monthly cashflow • Negative gearing tax benefit calculation • Positive gearing tax liability modelling • Annual cashflow breakdown: income, expenses, mortgage, tax

KEY METRICS • Gross and net rental yield • Cash-on-cash return (after tax) • Internal Rate of Return (IRR) — 10-year after-tax levered • Loan-to-value ratio (LVR) • Total return including capital growth

STAMP DUTY CALCULATOR • All 8 Australian states and territories (NSW, VIC, QLD, SA, WA, TAS, ACT, NT) • UK Stamp Duty Land Tax (SDLT) and US transfer tax • 2025–26 rates built in

CAPITAL GAINS TAX (CGT) • 50% CGT discount for assets held over 12 months • Full sale scenario: selling costs, remaining loan, net proceeds • Adjustable holding period and appreciation rate

10-YEAR PROJECTIONS • Property value, equity and cashflow projections up to 30 years • Rent growth, expense growth and appreciation assumptions • Year-by-year cashflow table • Loan amortisation chart

STRESS TEST • Rate hike scenarios (up to +4%) • Recession modelling: rent drop, vacancy, higher expenses • Tenant default impact • Custom sensitivity sliders

PDF REPORTS — PREMIUM • Professional investor-grade PDF reports • Share with your accountant, mortgage broker or bank • Full cashflow breakdown, tax position and projections

BUILT FOR AUSTRALIAN INVESTORS • Stamp duty for all 8 states and territories at current rates • Negative and positive gearing with marginal tax rate input • Depreciation deductions (Division 43 / Division 40) • Compare two properties side by side • AUD, USD, GBP, EUR, CAD and NZD support

FREE TO START • Analyse your first 2 investment properties at no cost. • Upgrade to Premium for unlimited properties and PDF export — monthly or annual, cancel anytime.

WHO IS THIS FOR? • First-time investors evaluating their first purchase • Experienced investors managing a multi-property portfolio • Buyers agents and property advisors running quick scenarios • Accountants and financial planners modelling client positions

Download free and run your first property analysis in under 2 minutes.