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Weekly, monthly and annual cash flow before tax, from the rent, holding costs and loan figures you supply. No tax, no vacancy allowance and no market averages are applied on your behalf.
| Figure | Formula | With your numbers | Result |
|---|---|---|---|
| Gross yield | (weekly rent × 52) ÷ purchase price × 100 | ($600/wk × 52) ÷ $650,000 × 100 | 4.8% |
| Net yield | ((weekly rent − weekly holding costs) × 52) ÷ purchase price × 100 | ($31,200/yr − $7,800/yr) ÷ $650,000 × 100 | 3.6% |
| Deposit | purchase price × deposit % | $650,000 × 20% | $130,000 |
| Loan amount | purchase price − deposit | $650,000 − $130,000 | $520,000 |
| Monthly repayment | P × annual rate ÷ 12: interest only, so no principal is repaid | $520,000 × 6% ÷ 12 | $2,600/mo |
| Weekly cash flow | weekly rent − weekly holding costs − weekly repayment | $600/wk − $150/wk − $600/wk | -$150/wk |
| Cash needed to start | deposit + upfront buying costs | $130,000 + $35,000 | $165,000 |
This page runs the same calculation as Scenarios inside Virtual Buyers Agent, not a copy of it, with the same repayment choice: interest only unless you switch to principal and interest. It uses only the values you typed on this page.
Cash flow is rent received less everything paid out. On this page that is: weekly rent, minus the weekly holding costs you enter, minus the weekly equivalent of the loan repayment.
The repayment starts as interest only, and you can switch it to principal and interest, which uses the standard amortisation formula over the loan term. It uses the same repayment formulas as Scenarios inside Virtual Buyers Agent, so the same loan, rate and term give the same repayment.
Weekly, monthly and annual figures are the same calculation expressed three ways. A year is treated as 52 weeks throughout.
No deduction, offset or refund is applied to any number on this page, and none should be inferred. What a property does to your tax position depends on your income, your other deductions and how you hold the property. Current guidance is published by the Australian Taxation Office; the figure for your own position belongs to your registered tax agent.
Your after-tax position is a personal tax calculation. Take the pre-tax figure here to a registered tax agent; Virtual Buyers Agent is not one.
The holding-cost field is yours to fill and nothing is added to it automatically. That is deliberate: the usual defaults for management fees, maintenance and vacancy are rules of thumb that Virtual Buyers Agent cannot source, and printing an unsourced default as the basis of your result would make it look like a measurement.
Costs you can evidence before you buy: council and water rates from the rates notice, strata levies from the disclosure statement, the management fee from the agency agreement, landlord insurance from a quote, and any known maintenance from the building report.
Rent is treated as received for all 52 weeks. If you want to allow for vacancy, reduce the weekly rent you enter and note what you assumed.
It is one year at one interest rate. Rates move, levies rise, and a repayment that is affordable at one rate may not be at another. Running the same numbers at a higher rate is the cheapest stress test there is.
It says nothing about what the property might later be worth, and nothing about whether a lender will lend to you.
Rent received less everything you pay out to hold the property: loan repayment, rates, insurance, management, maintenance, strata. Positive means the property pays you; negative means you top it up.
Before tax. No deduction, offset or refund is applied. Your after-tax position depends on your own circumstances and on tax law. A registered tax agent can work it out.
Every recurring cost you can evidence for the specific property: council and water rates from the rates notice, the insurance quote you were given, the management fee in the agency agreement, the strata levy from the disclosure statement, and your own maintenance allowance. This page adds nothing on your behalf.
Reduce the weekly rent you enter. The calculator treats rent as received for all 52 weeks, so any vacancy allowance has to be your own figure. We do not have a sourced one to offer you.
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A calculator checks the arithmetic. Virtual Buyers Agent is a guided workspace for checking the rest - Summary, Finances, Location, Documents and Offer - with the source, assumptions and limits shown on every figure.
General information only: not financial, legal, tax, or investment advice. Virtual Buyers Agent does not hold an AFSL or a real estate licence. Check your circumstances with appropriately licensed professionals before acting.