Investing tool
Property cashflow projection
Multi-year holding cost, tax and equity.
Projects an investment property across a full holding period: indexed rent and expenses, a capital growth path, an interest-only or principal-and-interest loan split, declining depreciation, and negative gearing with tax losses carried forward where they cannot be used.
Where the single-year cashflow tool answers what it costs this year, this tool answers when the property turns cashflow-positive and what equity the hold builds.
What you see on screen
In the app this chart is live: every assumption is on screen, editable, and the projection moves as you change it.
Key inputs
- The property, loan and depreciation schedule
- Rent and expense indexation rates
- Capital growth assumption
- Loan structure changes over the horizon (IO period, then P&I)
What it reports
- After-tax cashflow for every year of the hold
- The year the property turns cashflow-positive
- Equity built from growth and principal repayment
- Cumulative after-tax cost of the whole hold
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
The property is projected to turn cashflow-positive in year 6, when indexed rent overtakes the expense and interest stack.
Over 10 years the hold costs $41,700 after tax and builds $312,000 of equity, an effective 13.40% p.a. on the cash committed.
Every tool, every time
Rates and thresholds come from the verified Australian rate set for the selected financial year. Every run can be saved as a scenario against the client, exported as a client-ready PDF or an Excel workbook with live formulas, and carried into an SOA or ROA. A methodology and audit PDF documents the calculation, and every output carries the compliance block.