Nice Loans · Investment Tools
Investment Property Cashflow Calculator
Model weekly cashflow, loan repayments and the negative gearing benefit on a rental property — projected out to 30 years.
Est. Year 1 Cashflow / wk
—
complete the steps to estimate
The property
Purchase details and expected capital growth.
$
$
$
Auto-estimated — editable
% p.a.
$
The loan
How the purchase is financed.
Principal & Interest
Interest Only
$
Price + costs − deposit
% p.a.
years
Income & borrowers
Used to estimate marginal tax rate and the negative gearing benefit.
$
$
This is a joint application (2 borrowers) — negative gearing benefit split 50/50 by default, matching standard joint tenant ownership.
% p.a.
% p.a.
Running costs
We've pre-filled sensible starting points based on your purchase price — adjust anything you know more precisely.
$
per year$
per year
% of rent
$
per year$
per year — 0 if house/land
% of price / yr
Flat rule of thumb — a QS report gives an exact figureResults
Projected cashflow across the life of the loan.
Equity ladder
Property value vs. remaining loan balance at Year 1 / 5 / 10 / 30
How this is calculated: This tool models cashflow using a standard P&I or
interest-only amortisation schedule, compounding growth on rent, property value and expenses, and a
flat depreciation estimate (not a Quantity Surveyor report). The after-tax view applies
2026–27 ATO resident marginal tax rates plus the 2% Medicare levy to each borrower's share of
the rental result — it does not include LITO, the Medicare Levy Surcharge, HECS/HELP, or state-based
taxes. This is a general estimate to support a conversation with your broker, not personal financial
or tax advice. Actual lender serviceability calculations, real stamp duty, and your accountant's
depreciation schedule will differ from figures shown here.
