WizWealth.com.au • Property Cashflow Calculator
1
Purchase costs
Price, deposit, duty, funding
2
Income & expenses
Rent, outgoings, repayments
3
Tax factors
Salary, depreciation, growth
4
Cashflow & equity
Weekly & annual, 10‑yr projection
Property & finance
Reduces interest on the portion held in offset.
Upfront costs
If funded via equity, interest is charged on upfront costs at the LOC rate below.
At a glance
All upfront costs$0
Loan‑to‑value (LVR)0%
Loan amount$0
Duty estimator is indicative only. Always confirm with your state revenue office. You can override the value above.
Rental income
If GST applies, include it here.
Operating expenses (annual)
Loan repayments (1st year)
Interest (Yr 1)$0
Principal repaid (Yr 1)$0
LOC interest on upfronts (Yr 1)$0
Total cash repayments (Yr 1)$0
Principal is not tax‑deductible but is a real cash outflow. Interest may be reduced by any balance in offset.
Borrower tax profile
Uses Australian resident tax rates (2024‑25+) incl. Stage 3 changes for a simple marginal rate pick. Medicare levy ignored for simplicity.
Depreciation
For precision, replace with an actual schedule from a quantity surveyor.
Growth assumptions (10‑yr)
Used for the 10‑year equity table in the next step.
Cashflow: Year 1
Pre‑tax (per week) $0
Pre‑tax (per year) $0
Post‑tax (per week) $0
Post‑tax (per year) $0
Gross yield0.00%
Net yield (pre‑tax)0.00%
Pre‑tax cashflow includes principal repayments as a cash outflow. Post‑tax adds the impact of taxable profit/loss at your marginal rate and depreciation.
Taxable position (Yr 1)
| Item | Amount |
|---|
Net taxable (profit / loss)$0
Tax impact (+/-)$0
10‑year equity projection
| Year | Value | Loan bal. | Equity |
|---|
