Updated 22 August 2026
Property Investor Hub
Rental income is only one part of an investment-property decision. A useful first pass brings together vacancy, loan costs, management, rates, maintenance and the difference between tax deductions and cash leaving your account.
Step 1: Model annual cashflow
Enter realistic rent, a vacancy allowance, loan details and ownership costs. The calculator separates the cash position from the estimated tax effect so you can see both sides of the result.
Use the Negative Gearing Calculator
Step 2: Budget for the costs that are easy to miss
Irregular repairs, reletting costs, insurance excesses and vacancy are part of ownership. Build a buffer before treating the result as affordable.
- Investment Property Cashflow: A Practical Check
- Investment Property Expenses: What to Budget For
- Negative Gearing Explained
Step 3: Test less friendly assumptions
Try a higher interest rate, lower rent or a longer vacancy period. The point is not to predict the future; it is to understand how much room is in the plan if conditions change.
Step 4: Get tailored advice before acting
Tax, lending, legal and property decisions are specific to the purchaser and the property. Keep the calculator figures as a conversation starter for a qualified accountant, broker, financial adviser or solicitor, rather than treating them as a recommendation.