Investment property cash flow

What an investment costs or earns you each week, before and after tax — including negative gearing.

$
$
% p.a.
years
Loan type
$
weeks/yr
% of rent
$/yr
Rates, water, strata, insurance, upkeep.
$/yr
From a quantity surveyor’s schedule.
$/yr

Weekly cost to you after tax

$74

Net rent after costs
$22,675
Loan repayments
− $30,240
Cash flow before tax
− $7,565
Property result for tax
− $11,565
Tax saved
$3,701
Cash flow after tax (per year)
− $3,864

2026–27 resident tax rates and the 2% Medicare levy; no offsets. General information only — not tax or financial advice.

For illustrative purposes only. These figures are estimates from what you enter and general assumptions; they are not financial, tax or legal advice and must not be relied upon. Seek independent financial advice before making any decision.

How it’s worked out

Net rent after vacancy, management and running costs, less loan repayments, gives the pre-tax cash flow.

The tax effect compares your tax on your salary alone with your tax once the property’s result — rent less interest, costs and depreciation — is added, using the 2026–27 resident rates and the 2% Medicare levy. Only the interest part of a repayment is treated as deductible.

This is general information, not tax advice. Offsets, levies and your circumstances change the result; speak to your accountant.

Sources: ATO — individual income tax rates

For illustrative purposes only. These figures are estimates from what you enter and general assumptions; they are not financial, tax or legal advice and must not be relied upon. Seek independent financial advice before making any decision.

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