Financial decision guide and interactive simulator

Investment property calculator

Will the property produce a durable return after vacancies, finance and running costs?

What this calculation is designed to show

Gross rental yield leaves out many costs that determine whether the investment needs a monthly subsidy. Model vacancy, maintenance, management, tax, levies, insurance and eventual selling costs alongside rent and property growth.

How to test the decision

Test at least one vacant month, an unexpected repair and a higher interest rate. Check both monthly cashflow and sale value because a property can appreciate while still putting the household budget under pressure.

Using the result responsibly

Change one important assumption at a time and compare a cautious case with the expected case. The interactive calculator below updates from the values you enter. Its output is an educational estimate, not financial, tax, legal or investment advice.

Read the calculation methodology or learn about The Finance Check.