Does this calculator include holding costs?
Yes. Add monthly rates, insurance, strata and maintenance so the cashflow result reflects the true cost of holding the property.
PlanWithHome
Investment Property Cashflow & Yield Calculator for Australians
Model rent, holding costs, interest-only vs principal & interest and rate rises using your combined household income. Confirm if the investment stacks up before you commit.
Independent, education-only modelling. Export share links or PDFs to discuss with a broker without sales pressure.
What this helps you answer
- Will this property run positive or negative cashflow?
- How does rent compare to repayments and holding costs?
- Is the plan still comfortable if interest rates rise?
How the calculator works
Enter price, deposit, rent assumptions, holding costs and loan settings. The planner uses your primary + partner income to estimate repayments, gross yield, net cashflow and simple stress tests.
Why PlanWithHome
Independent, education-only modelling tailored to Australian investors. Export scenarios as PDFs or share links with your broker or adviser.
FAQs
Can I model combined income?
In the planner switch on the partner toggle to include combined household income for servicing and cashflow analysis.
Important
PlanWithHome is an education-only tool. It does not provide personal financial, legal, tax or credit advice and does not replace a lender's servicing assessment. Always confirm scenarios with official calculators and a licensed broker or adviser.