Investment Property Cashflow Calculator
Stress-test your rental income against real running costs and mortgage repayments to find your true cashflow.
Will This Property Drain Your Bank Account?
When analyzing a potential investment property, it is easy to get blinded by a great marketing flyer. Property listings love to highlight 'gross rental yield' because it makes a property look incredibly profitable on paper. But yield won't pay your mortgage, and it won't save you if your house sits empty.
To build a sustainable property portfolio in New Zealand, you must look at Net Cashflow. This is the exact amount of cold, hard cash that will either enter your bank account or be drained from it every single week after every operating expense is paid.
It is 100% free to view your estimates with no mandatory sign-ups, logins, or hidden data capture.
Run Your Numbers: The HLF Cashflow Visualizer
Use the tool below to stress-test your expected numbers:
- Step 1: Enter the expected weekly rent and your total proposed investment loan balance.
- Step 2: Account for local council rates, landlord insurance, and a realistic annual maintenance fund.
- Step 3: Switch between Interest-Only and Principal & Interest structures to see exactly how your weekly cash flow shifts.
Positive Cash Flow vs. Shortfalls
If the rent doesn't cover all the bills, you have a 'cash shortfall'. This means you have to dip into your personal salary to cover the weekly gap.
Next Step: The Bank 'Shading' Reality Check
Having a positive cash flow on your spreadsheet doesn't guarantee bank approval. Banks apply a "shading" buffer— usually only counting 70% to 75% of your expected rental income to cover potential vacancies. Send your numbers to a Home Loan Factory adviser, and we will run a free formal servicing test to see if a lender will actually approve the finance based on their strict stress-test rates.
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