FREE CALCULATOR

Cash flow forecast calculator

Model a single property’s after-cost cash flow over your holding period. Assumes an interest-only loan; adjust the inputs to match your deal.

Property & loan
Purchase price$650,000
LVR80%
Interest rate6.2%
Weekly rent$620
Income & outgoings
Vacancy rate3%
Property management fee7%
Other outgoings (rates, insurance, maintenance) / yr$4,200
Annual rent growth3.0%
Year one summary
Annual rent collected
$31,273
Loan interest / yr
-$32,240
Annual cash flow
-$7,356
Monthly cash flow
-$613
Annual cash flow over holding period
Rent grows 3.0%/yr · loan balance held flat (interest-only)
Y1
Y2
Y3
Y4
Y5
Y6
Y7
Y8
Y9
Y10

How this is calculated

Annual rent is weekly rent x 52, reduced by your vacancy assumption. Management fees are deducted as a percentage of collected rent. Loan interest is calculated on the full loan amount at your chosen rate, assuming interest-only repayments, and principal stays flat across the forecast. Cash flow equals rent collected minus management fee minus other outgoings minus loan interest, before tax and depreciation benefits. For a structure-aware, after-tax projection across your whole portfolio, see the fullportfolio dashboard.