Model repayments, cash flow, yield and upfront costs for any Australian property.
Used to calculate stamp duty
Your Property, NSW — adjust inputs to model your scenario
Purchase
Rental Income
Annual Holding Costs
Tax & Depreciation
Construction cost written off at 2.5%/yr. New builds only — no Div 43 on pre-2017 second-hand properties.
Plant & equipment (appliances, carpet, blinds). Requires a tax depreciation schedule from a quantity surveyor.
Monthly Cash Flow
-$2,112
Negatively geared — $2,112 shortfall/mo
Gross Yield
3.90%
of purchase price
Net Yield
2.90%
after expenses
Income & Expenses (monthly)
Tax Position (monthly)
Pre-tax -$2,112 + tax saving $783
Upfront Costs
Estimates only. Stamp duty uses standard investor rates — first home buyer concessions may reduce this. LMI varies by lender. Tax saving uses year-1 interest as the deductible amount. Div 43 applies to qualifying new builds only; Div 40 requires a quantity surveyor schedule. Not financial or tax advice — verify with your accountant and broker.