Free Tool

Property Cashflow
Analyser

Model your investment returns instantly. Accurate stamp duty, LMI, and after-tax cashflow for every Australian state.

State stamp dutyLMI calculatorTax benefitMin / max rent
Property Details
Location, price & rental income
Required
State
Purchase Price
$
Build Year
Home Insurance (annual)
$
Min Weekly Rent*
$
Max Weekly Rent
$
Annual max: $0
Buyer Type
Stamp Duty
$0Standard rate —
Finance Details
Loan, deposit & tax settings
Required
Interest Rate
%
Tax Rate (Marginal)
Deposit Amount
$
0.0% of purchase price
Equity Used
$
Equity from existing property
LVR (Loan-to-Value Ratio)
LMI Premium
$
Added to loan amount
LMI Waiver
LMI Tier
No LMI
≤ 80% LVR
Standard
80 – 90% LVR
High
> 90% LVR
Loan Breakdown
Purchase Price$0
Cash Deposit− $0
Equity Used+ $0
LMI Premium+ $0
Total Loan Amount$0
Annual Expenses
Auto-filled from state — editable
Prop. Mgmt
%
8.8% default for selected state (incl. 10% gst)
Council Rates
$
$1,800 default for selected state
Water Rates
$
Landlord Insurance
$
Maintenance
$
Bank Charges
$
Strata / Body Corp
$
Land Tax
$
Depreciation / yr
$
Select build year
One-Off Purchase Costs
Excluded from loan — paid upfront
Conveyancing
$
E.g. $1,700
Building & Pest
$
E.g. $700
Depreciation Schedule
$
E.g. $550
Compliance Checks
$
E.g. $350
Settlement & Legal
$
E.g. $400
Total Costs
$3,700
Excl. stamp duty & LMI
Live Results
Updates as you type
Cashflow After Tax
$0—$0/mo
Annual: $0 — $0 /yr
Min Scenario
$0
$0 / yr
Max Scenario
$0
$0 / yr
Gross Rental Yield
0.00%
Very Low
1%
2%
3%
4%
5%
6%
7%+
1–4%
Low Yield
4–5%
Good Yield
5–7%+
Strong → Excellent
Rental Income
Gross Yield Range0.00% – 0.00%
Min Rent
$0
/wk
$0
/mo
$0
/yr
Max Rent
$0
/wk
$0
/mo
$0
/yr
Annual Expenses
Interest$0
Property Management$0 – $0
Leasing Fee$0
Advertising$0
Vacancy Allowance$0
Council Rates$0
Water Rates$800
Home Insurance$0
Landlord Insurance$400
Maintenance$2,000
Bank Charges$500
Total Expenses$0 – $0 /yr
Cashflow Breakdown
ScenarioWeeklyMonthlyYearly
Before-tax cashflow (min rent)$0$0$0
Before-tax cashflow (max rent)$0$0$0
Depreciation (non-cash)($0)($0)($0)
After-tax cashflow (min rent)$0$0$0
After-tax cashflow (max rent)$0$0$0
⭐Purchase Costs Summary
Deposit$0
Stamp Duty$0
LMI Premium$0
Conveyancing$1,700
Building & Pest$700
Other Costs$900
Settlement & Legal$400
Total Cash Required$0
Loan Pre-LMI
$0
Loan Post-LMI
$0

General information only. Not financial advice. Figures are estimates based on inputs provided and may not reflect actual outcomes. Consult a qualified financial advisor, accountant, or mortgage broker before making any investment decision.