Rental Cash Flow Calculator
The full worksheet: loan payment, effective rent, and monthly cash flow, graded against an honest benchmark.
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.
The formula
Loan amount
P&I payment
Cash flow
Cash flow is what is left over each month after the mortgage payment and operating expenses are paid — the number that actually lands in your account.
Effective rent subtracts an assumed vacancy rate from gross rent, so the worksheet does not quietly assume 100% occupancy forever.
A property can look great on gross rent and still lose money once vacancy, principal & interest, and real operating costs are subtracted — this calculator forces all three onto the same page.