Investment Property Cashflow Calculator
Stress-test your rental income against real running costs and mortgage repayments to find your true cashflow.
When analyzing a potential investment property, it is easy to get blinded by a great marketing flyer. Real estate agents love to talk about 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 tenants move out.
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 year after every single operating expense is paid.
Use our interactive cashflow calculator below to stress-test your expected numbers. Toggle between interest-only and principal-and-interest structures to find the exact configuration that keeps your investment safe and scalable.
Run Your Numbers: The HLF Cashflow Visualizer
- 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 repayment structures to see exactly how your annual maths shifts.
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