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info@golden.billas.com.au
0468428286
Facebook
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Home
About
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Contact us
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Contact us
Property Investment Cashflow Calculator
1. Purchase Details
Property Address
Purchase Price ($)
Source of Funds
💰 Cash Deposit
🏠 Equity from Existing Property
Deposit %
Existing Property Value ($)
Existing Mortgage Balance ($)
Max LVR on Existing Property (%)
Max Usable Equity
(auto-calculated)
= (Value × LVR%) − Mortgage
Deposit % of New Property
enter desired deposit %
⚠ Equity required exceeds max usable equity.
Equity Used ($)
(auto-calculated)
= Purchase Price × Deposit %
Stamp Duty ($)
QLD auto-calculated
Override auto-calculation
Land Value ($)
QLD tax threshold: $600k
⚠ Land value exceeds QLD Land Tax threshold ($600,000). Land tax may apply.
Solicitor & Legal ($)
Inspection & Other Costs ($)
2. Loan Details
Interest Rate % (
Deposit / Equity
)
Deposit ($)
auto-calculated
Interest Rate % (
Loan Amount
)
Loan Amount ($)
auto-calculated
Annual Borrowing Costs ($)
Loan Term (years)
for P&I repayment calculation
LMI Estimate ($)
LVR > 80%
auto-calculated
Deductible over 5 years (LVR > 80% only)
⚠ LMI applies — how would you like to pay it?
Add to Loan (Capitalise)
LMI is added to your mortgage — no cash needed upfront but you pay interest on it.
Pay Upfront (with Deposit)
LMI is paid alongside your deposit — keeps your loan lower, no ongoing interest on LMI.
3. Rental Income
Weekly Rent ($)
Property Manager Fee %
4. Annual Expenses
Council Rates (Quarterly $)
Water Rates (Quarterly $)
Strata (Quarterly $)
Building Insurance (Annual $)
Landlords Insurance (Annual $)
5. Tax & Depreciation
Personal Income Tax Rate %
0%
19%
32.5%
37%
45%
Depreciation Estimate (Annual)
No Depreciation
Estimate: $1,500 (Basic)
Estimate: $5,000 (Mod Reno)
Estimate: $10,000 (Full Reno)
✉ Email Report
📄 Full Report
Live
👁 View
1. Purchase Details
Property Address
—
Purchase Price
$0
Source of Funds
—
Deposit
0%
Stamp Duty (QLD)
$0
Legal Costs
$0
Inspection Costs
$0
Land Value
$0
2. Loan Details
Deposit
$0 @ 0%
Loan Amount
$0 @ 0%
Borrowing Costs
$0
LMI Estimate
$0
LMI Payment
—
LVR
0%
3. Rental Income
Weekly Rent
$0
Yearly Rent
$0
Property Mgmt Fee
0%
4. Annual Expenses
Council Rates (qtr)
$0
Water Rates (qtr)
$0
Strata (qtr)
$0
Building Insurance
$0
Landlord Insurance
$0
Total Expenses
$0
📈 Loan Repayments
Mortgage + Interest Repayments
$0/wk
|
$0/fn
|
$0/mo
Refinance Loan
$0/wk
|
$0/fn
|
$0/mo
Total Repayments
$0/wk
|
$0/fn
|
$0/mo
5. Tax & Depreciation
Tax Rate
0%
Depreciation
$0
Tax Return Estimate
$0
6. Existing Property Refinance
Existing Property Value
$0
Existing Mortgage Balance
$0
Equity Used
$0
Refinance Amount
$0
= Existing Mortgage + Equity Used
Cashflow Summary
Net Cash Flow (After Tax)
$0
Gross Rental Yield
0%
Net Yield
0%
Cash-on-Cash Return
0%
📈 10-Year Capital Growth Projection
Expected Annual Growth Rate:
5.0%
Year
Est. Property Value
Cumulative Rent Income
Est. Equity Position
Enter purchase price to see projection
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