Property Cashflow Calculator – Rothmore Group
Rothmore Group
Property Investment Calculator

Investment Property Cashflow Calculator

Model your full upfront costs, ongoing expenses and cashflow across low, medium and high rent scenarios — before and after tax. Includes LMI estimation.

Select investment type — affects after-tax calculations & PDF export
⚠ 2026 Federal Budget: Negative gearing on established residential properties purchased after 12 May 2026 is quarantined from 1 July 2027. Losses cannot be deducted against wages or personal income — they can only offset future residential rental income or capital gains. The after-tax cashflow section is hidden and will be excluded from the PDF export.
1

Purchasing Details

$
%
%
Interest Rate6.00%
2

Funds Required

Upfront costs
$
$
$
$
$
LMI Applicable
$0
LVR 0%
Lenders Mortgage Insurance is required when your LVR exceeds 80%. This is an indicative estimate based on standard insurer rate tables.
Loan Amount—
Deposit Required—
Stamp Duty—
Legal / Build Report
Other Expenses—
Contingency Buffer—
Total Funds Required
$0

* LMI estimated using indicative Genworth/QBE rate tables. Confirm all figures with your broker and solicitor.

3

Estimated Market Rent

3 scenarios
$
$
$
ScenarioWeeklyMonthlyAnnualYield
Low————
Med————
High————
4

Expenses

Wk / Mo / Yr
$
$
$
ExpenseWeeklyMonthlyAnnual
Council / Water———
Prop. Mgmt.———
Insurance / Strata———
Maintenance———
Property Costs———
Interest———
Principal———
Total Mortgage———
TOTAL———
5

Cashflow Before Tax

Income minus expenses
ScenarioWeeklyMonthlyAnnual
Low Rent———
Med Rent———
High Rent———
6

Cashflow After Tax

Incl. neg. gearing & depreciation
ScenarioWeeklyMonthlyAnnual
Low Rent———
Med Rent———
High Rent———

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This calculator provides indicative estimates only and does not constitute financial advice. Tax deductibility reflects 2026 Federal Budget changes (effective 1 July 2027 for established properties purchased after 12 May 2026). Stamp duty and LMI estimates are approximate. Always consult a qualified financial adviser and mortgage broker before making investment decisions. Rothmore Group accepts no liability for decisions based on these figures.