A practical planning tool for Australian property investors

Investment Property Cash Flow Calculator for New Builds

Estimate the cash you may need before a new-build investment property is rented, its monthly holding costs, break-even weekly rent and the impact of higher interest rates.

Set up your scenario

Use your actual quote or best estimate. You can change any figure to compare options.

1 · Purchase and construction

$
$
80% of purchase price
$
Enter your state-specific duty, legal and other costs.
months
%
Ask your lender or broker for the expected draw schedule.
$
Monthly rates, insurance or land costs not financed.

2 · Rent and running costs

$
weeks/yr
$
Annual rates, insurance, strata, maintenance, land tax and fees.
%

3 · Loan assumptions

%
years
$80,000

Estimates only. Figures exclude personal tax, grants, lender fees, insurance specifics and any contract variations. Confirm costs and loan structure with your conveyancer, lender and property professional.

Method informed by ASIC Moneysmart’s investment property cost and vacancy guidance and APRA’s 3 percentage-point serviceability buffer reference (May 2026). The stress rate is a user scenario, not an individual lending assessment.

Plan the cash flow on a new-build investment property

This Australian investment property cash flow calculator is designed for buyers comparing a house-and-land package or another new build. It estimates cash needed before the first rent payment, then compares expected rent with loan repayments and ongoing property holding costs.

Enter your expected weekly rent, vacancy allowance, management fee and annual costs such as council rates, insurance, strata, maintenance and land tax. The estimate shows the monthly cash flow after rent, a break-even rent estimate, and a rate-rise scenario so you can compare the numbers before committing.

How the estimate works

  • Cash before rent: estimated deposit plus the buying costs you enter, estimated construction-period interest and monthly holding costs during the build.
  • Monthly cash flow: loan repayments and operating costs less rent after your vacancy allowance and management fee.
  • Break-even rent: estimated weekly rent needed to cover loan repayments and entered operating costs at the current rate.

Frequently asked questions

What costs should I include for an investment property?

Include expected council and water rates, insurance, property management, strata, maintenance, land tax and other regular costs. Add your state-specific stamp duty and purchase costs in the buying-cost field. Actual costs vary by property and location.

How does the calculator estimate construction-period interest?

It estimates interest using your loan amount, interest rate, build duration and the average percentage of the loan drawn during construction. Construction loan draw schedules differ, so use a lender or broker estimate where available.

Does this calculator include tax or tell me how much I can borrow?

No. It is a cash-flow planning estimate. It does not calculate tax, borrowing capacity, stamp duty or lender approval. Ask a qualified tax professional, conveyancer or lender about your circumstances.

What does the 3 percentage-point rate scenario mean?

It shows one illustrative higher-rate scenario using a 3 percentage-point increase. APRA refers to a buffer of this size for lenders’ serviceability assessments. It is not a prediction of future interest rates or your lender’s assessment.