Rental Property Calculator Australia 2026-27

A Property & Finance

Purchase Price

State

Stamp duty: —

Deposit

—

Interest Rate

Loan Type

Loan Term

yrs

	Interest	Principal

Purchase Date (negative gearing rules)

Bought before 7:30pm 12 May 2026 — rental losses can be offset against your other income.

B Income & Growth

Weekly Rent

Your Annual Income (excl. property income)

Marginal tax rate: 32% · ATO 2026–27 rates

Assumed Annual Capital Growth Rate

C Annual Operating Expenses

Management Fee (% of rent)

Management Fee (p.a.)

Land Tax

Varies by state & portfolio size

Body Corporate / Strata

Other Annual Costs

Insurance, council & water rates, repairs, accounting

Property Depreciation (p.a., non-cash)

Div 43 + Div 40, from a QS depreciation schedule

Total Operating Expenses (excl. interest & depreciation)

—

D Upfront Capital Required

Deposit —

Stamp duty —

Other Purchase Costs

Legal / conveyancing, building & pest, valuation, loan fees

Total Capital Required (deposit + stamp duty + other costs)

—

Section E — Cashflow Scoreboard

Net Taxable Income After Tax (Annual)

—

Net Cashflow Total (Annual)

—

Weekly Out-of-Pocket

—

+ Gross rental income —

− Operating expenses —

− Interest expense —

− Depreciation deductions (non-cash) —

Net Taxable Profit / (Loss) —

Tax Refund / (Liability) —

NET TAXABLE INCOME AFTER TAX —

+ Add: non-cash depreciation —

− Principal repayment —

NET CASHFLOW TOTAL —

Net cashflow weekly —

Section F — Key Metrics

Gross Rental Yield

—

Rent × 52 ÷ price

Net Yield

—

(Rent − operating costs) ÷ price

Break-even Weekly Rent

—

Rent needed for $0 out of pocket

Rent Coverage

—

Rent ÷ yearly loan repayments

Section G — Stress Test: Can You Survive the Storm?

If interest rates rise, this is how much you’d need to put in from your own pocket each week to hold the property (after tax refunds and principal repayments).

Rate +1%

—

Rate +2%

—

Rate +3%

—

H 10-Year Wealth Projection

Year	Property Value	Loan Opening	Principal Paid	Loan Balance	Annual Net CF	Equity (pre-tax)	IRR
Enter property details above

Projection grows property value only — rent, expenses and depreciation are held at Year 1 levels. Annual Net CF is your actual cash in/(out) after tax and principal repayments. Equity (pre-tax) = property value − loan balance + cumulative net cashflow, before selling costs and CGT. IRR = annualised return on your capital if sold at that year’s value (before selling costs and CGT).