Know the deal before you sign the contract.
Run real amortization math on any Australian rental in under a minute. RealEstateCashGuru grades deals in AUD against benchmarks built for a lower-yield, negatively-geared market — no rounding up to make you feel good about a bad number.
Rental Property Worksheet
Loan amount
Principal & interest
Cash flow
Marks are set lower than a US tool would use because gross rental yields in most Australian capital cities typically run 3%–4.5%, well under most mortgage rates — many investors here are consciously negatively geared and weighing capital growth and tax position alongside yield, not chasing cash flow alone.
Built for people who underwrite deals, not sales pages.
Real amortisation math
Every calculator runs the actual loan formula, not a shortcut. Change any input and every downstream number recalculates instantly.
Graded against AU benchmarks
Cash flow, cash-on-cash, and rental yield are each checked against a benchmark that reflects the Australian market, not a US one. Grades floor — two out of three passing is a B, not an A.
No log-in, no gated math
Every calculator is fully usable for free. We make money from software affiliate links and lead generation, not from hiding the tools you need.
Core guides every investor should read first
Negative Gearing Explained
How negative gearing works, what it actually saves you, and when it doesn't make sense.
Stamp Duty Explained
How stamp duty is calculated state by state, and how to budget for it.
Investment Property Financing
Loan structures, offset accounts, and how lenders assess investment loans.