🏠 Free · ATO 2025–26 · Buy & Hold

Investment Property
Really Cost You Each Week?

From purchase price to weekly out-of-pocket — we run every number including tax, depreciation and 10-year equity growth.

A Property & Finance Assumptions
$
%
$
$
$
$
%
yrs
$
$
B Acquisition Costs (One-Off)
$

QLD default — override if different state

$
$
$
$
$
$
$
$
C Rental Income
$
$

D Annual Operating Expenses
%
$0
$
$
$
$
$

Varies by state & portfolio size

$

Allow ~0.5% of value/yr

$
$

Garden, pest control, etc.

$
E Tax & Depreciation
$
Marginal tax rate: 32%  ·  ATO 2025–26 Stage 3 brackets
$
$
$
$

Appliances, Water Cylinder, etc. — adds to depreciating assets, not immediately deductible

G Capital Growth Assumption
%
Section F — 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 —
− Capital expenditure outlay —
− Principal repayment —
NET CASHFLOW TOTAL —
Net cashflow weekly —
Section G — Yield & Return Metrics
Gross Rental Yield
—
Rent × 52 ÷ price
Net Yield (Cash)
—
Net taxable ÷ price
Capital Gain Yr 1
—
at 5.5% growth
Total Return Yr 1
—
Capital gain − Net CF total
Return on Equity
—
Total return ÷ capital deployed
Interest-to-Rent Ratio
—
Interest ÷ rent — lower is healthier
Section H — Stress Test: Can You Survive the Storm?
Rate +1%
—
Net CF total (annual)
Rate +2%
—
Net CF total (annual)
Rate +3%
—
Net CF total (annual)
I 10-Year Wealth Projection
Year Property Value Loan Opening Principal Paid Loan Balance Annual Net CF Equity CAGR
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⚠ This tool is for educational purposes only. Always obtain independent financial, tax and legal advice before purchasing property.
ATO: Residential rental properties · ATO: Tax rates 2025–26