Property cashflow calculator
See the weekly cost (or surplus), gross yield, and 10-year equity on any investment property, built on the same model the pros use.
Cash (default) charges interest on the loan only (price − deposit). Home equity assumes you borrowed the deposit too, so interest is on 100% of the price.
Interest-only: repayments cover interest only; the loan balance stays put.
10-year projection
Equity (shaded) vs property value (dashed) at 5% annual capital growth.
Estimates only, based on your assumptions, not financial advice.
Rental yield & cashflow: questions
How do I calculate rental yield?
Gross rental yield = annual rent ÷ purchase price × 100. For example, a property earning $600/week ($31,200/year) bought for $650,000 has a gross yield of about 4.8%. Net yield subtracts running costs (rates, insurance, management, maintenance). This calculator works both out for you.
What counts as a good rental yield in New Zealand?
It varies by region and property type. Higher-growth city suburbs often have lower yields, while provincial areas can be higher. As a general guide many NZ investors look for a gross yield above the mortgage rate. This is general information, not a recommendation; model your own numbers and get advice for your situation.
How do I work out weekly cashflow on a rental?
Take the weekly rent and subtract the weekly cost of the mortgage, rates, insurance, property management and a maintenance allowance. A positive result is surplus; a negative result is a top-up you fund each week. The calculator above does this live as you change the inputs.
What is cash-on-cash return?
Cash-on-cash return is your annual pre-tax cashflow divided by the cash you put in (deposit plus purchase costs), shown as a percentage. It measures the return on the money you actually invested, separate from capital growth.