Property cash flow projection calculator
See whether an investment property is cash-flow positive or negative. Project weekly cash flow, rental income, expenses, vacancy and equity growth over the years ahead.
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 | ||||
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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. Get it right and the property funds itself; get it wrong and it quietly drains your budget every week. Working it out for a single year is easy enough, but the picture shifts as rent grows, expenses rise and an interest-only period ends, so the number that matters is the trajectory over time.
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 worth asking first
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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.
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