Property Cashflow Calculator

Run the real numbers
before you offer.

Model cashflow, stamp duty, equity projections and LMI on any Australian property.

For first-time and experienced investors, rentvestors and athletes weighing up their next purchase.

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01

Input the deal

Purchase price, LVR, interest rate and rent. Choose your state and stamp duty calculates automatically, along with LMI and all other upfront costs.

02

Model the hold

Year-by-year cashflow across IO and P&I. Rent growth, offset accounts and a 30-year ledger you can override line by line. Test the hold at your full pre-approval, and see what a flat year does to your cashflow.

03

Read the verdict

Weekly cashflow, equity position, break-even year, annualised return and equity access milestone. So you walk into every conversation with the numbers already done.

This is not for hotspot chasers, or anyone looking for a number that makes any deal work.

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Free to use. Enter your details to open the calculator.

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Created by James Nelis

Founder of The Nelis Group, Buyers Agent of the Year Finalist 2026, and an active property investor since 2014. It’s the same calculator I use to test every purchase, mine and my clients’, before an offer goes in.

This calculator provides general information only and is not financial, legal or tax advice. Always seek independent advice before making any investment decision.