Rental cashflow calculator — weekly + annual, with real expenses
Enter rent, mortgage and the running costs. We'll show your weekly and annual net cashflow, gross and net yield, and cash-on-cash return — with NZ/AU weekly rent and US monthly built in.
The number that decides whether a deal is sustainable.
Cashflow is what's left from the rent after every running cost — operating expenses (rates, insurance, management, maintenance) and the mortgage repayment. If the number is positive, the property pays you. If it's negative, you're topping it up out of your day job.
Weekly vs monthly — why the period matters
Rent is quoted weekly in NZ and Australia, monthly in the US. We default the input to whatever's standard for your selected market and convert to annual under the hood — multiplying by 52 (NZ/AU) or 12 (US). It's a small thing but it removes a constant source of arithmetic mistakes when investors compare deals across borders.
What the calculator includes
Annual rent (after vacancy), council rates / property tax, insurance, property management as a % of collected rent, an "other" bucket for maintenance and miscellaneous costs, and your loan repayment (interest-only or principal-and-interest based on term). It deliberately stays at the cash level — depreciation and tax aren't here because they vary too much by jurisdiction and structure.
Cash-on-cash return
The cash-on-cash figure assumes a deposit of price minus loan. In practice you'll have purchase costs (legal, building inspection, stamp duty, etc.) on top of the deposit; if you want to model those, just add them to the "other" bucket and the cash-on-cash adjusts.
Cashflow calculator FAQ
What does "cashflow positive" actually mean?
A property is cashflow positive when the rent (after vacancy) covers every cost — operating expenses (rates, insurance, management, maintenance) AND the mortgage repayments. Many investors are happy to be cashflow neutral or even slightly negative if capital growth is strong, especially in NZ/AU markets where high prices push yields down. This calculator shows you exactly where you land.
Do you include depreciation or tax?
No — depreciation and tax treatment vary too much by market and structure (LTC vs sole trader in NZ, negative gearing in AU, depreciation schedules and 1031 exchanges in the US). This calculator stays at the cash level so the answer is comparable across markets. Use Stackhold for the full picture once you've got the property in.
What rate should I use — current or stress?
Use your actual rate to plan today's cashflow, then run the stress-test calculator separately to see what happens if rates move. Banks use the stress rate for serviceability approval, but your bank account experiences the actual rate.
Should management fees be in there if I self-manage?
Set management to 0% if you self-manage. But many self-managers find that once they account for the time spent on inspections, tenant comms and lease renewals, they were effectively working for the equivalent of $25–40/hr. The default 8% is a realistic NZ/AU number for a property manager; US property managers typically charge 8–12% of collected rent.
Run the rest of the numbers
DTI calculator
See whether your next loan fits inside the RBNZ / APRA / US DTI cap before you talk to a bank.
LVR calculator
Work out your LVR (or LTV in the US) and the deposit you need to clear investor and owner-occupied bands.
Stress-test calculator
See what your repayments look like at the bank's stress-test rate — the rate they actually use to approve you.
Rental yield calculator
Gross yield, net yield and cap rate for any rental — with weekly-rent input for NZ/AU and monthly for the US.
One property is a calculator. Ten properties is Stackhold.
Per-property cashflow rolls into portfolio cashflow, which rolls into your 10-year forecast — no spreadsheets.
No credit card · Cancel anytime · Your data stays in your private cloud account