Property cash flow projection calculator
Cash flow is the rent left after the loan repayment, running expenses and vacancy. Project it week by week, along with rental income, expenses and equity growth, to see whether an investment property is cash-flow positive or negative over the years ahead.
Last updated
Set to 0 for P&I from day one
Moves the equity projection; set to 0 to hold the property value flat
Weekly cash flow (year 1, interest-only)
-$67/wk
Cash-flow negative (negatively geared)
Projected equity (year 15)
$721,955
Property value growth minus remaining loan balance
| Year | Net rental | P&I strategy | IO strategy | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Income | Expenses | Vacancy | Payment | Cash flow | Balance | Payment | Cash flow | Balance | |
| 1 | $30,680 | $8,000 | $1,227 | $29,930 | -$8,477 | $410,891 | $24,960 | -$3,507 | $416,000 |
| 2 | $31,600 | $8,160 | $1,264 | $29,930 | -$7,753 | $405,468 | $24,960 | -$2,784 | $416,000 |
| 3 | $32,548 | $8,323 | $1,302 | $29,930 | -$7,006 | $399,710 | $24,960 | -$2,037 | $416,000 |
| 4 | $33,525 | $8,490 | $1,341 | $29,930 | -$6,235 | $393,596 | $31,149 | -$7,455 | $409,638 |
| 5 | $34,531 | $8,659 | $1,381 | $29,930 | -$5,440 | $387,106 | $31,149 | -$6,659 | $402,883 |
| 6 | $35,567 | $8,833 | $1,423 | $29,930 | -$4,618 | $380,215 | $31,149 | -$5,838 | $395,711 |
| 7 | $36,634 | $9,009 | $1,465 | $29,930 | -$3,771 | $372,900 | $31,149 | -$4,990 | $388,097 |
| 8 | $37,733 | $9,189 | $1,509 | $29,930 | -$2,896 | $365,133 | $31,149 | -$4,116 | $380,014 |
| 9 | $38,865 | $9,373 | $1,555 | $29,930 | -$1,993 | $356,887 | $31,149 | -$3,213 | $371,432 |
| 10 | $40,030 | $9,561 | $1,601 | $29,930 | -$1,061 | $348,133 | $31,149 | -$2,281 | $362,321 |
| 11 | $41,231 | $9,752 | $1,649 | $29,930 | -$99 | $338,838 | $31,149 | -$1,319 | $352,648 |
| 12 | $42,468 | $9,947 | $1,699 | $29,930 | $893 | $328,970 | $31,149 | -$327 | $342,378 |
| 13 | $43,742 | $10,146 | $1,750 | $29,930 | $1,917 | $318,494 | $31,149 | $697 | $331,474 |
| 14 | $45,055 | $10,349 | $1,802 | $29,930 | $2,974 | $307,372 | $31,149 | $1,754 | $319,899 |
| 15 | $46,406 | $10,556 | $1,856 | $29,930 | $4,065 | $295,563 | $31,149 | $2,845 | $307,609 |
| Total | $547,789 | $448,950 | -$39,500 | $448,668 | -$39,230 | ||||
Save & track this result
Get a free BrickTrack account seeded with these numbers, then watch the projection move as your rent, rates and expenses change.
Your email address and the figures above stay with BrickTrack. Our privacy policy has the detail.
How property cash flow works
Cash flow is what's left from the rent once every cost of holding a property is paid: the loan repayment, running expenses, and the weeks the property sits empty. A positive number means the property funds itself; a negative one drains your budget every week. One year is easy to work out, but the picture shifts as rent grows, expenses rise and an interest-only period ends, so the trajectory is what matters.
This calculator projects weekly cash flow, rental income, expenses and equity across up to fifteen years, so you can see whether a property is cash-flow positive or negative today and how that changes as the years pass. The example above opens slightly negative, dips further when its interest-only period ends, then turns positive as the rent grows. Enter your own purchase price, loan, rent and growth assumptions to model your scenario.
Questions about property cash flow
Related calculators
Track real cash flow across your whole portfolio.
A projection is only ever as good as the assumptions underneath it. Import your transactions and BrickTrack shows what the rent, the repayments and the running costs actually did, property by property, against the figures you expected.
Your first property. No credit card required.