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Investment Property Analyser
Yield, cashflow, negative gearing, and equity growth
Property & Finance
$
20%
Loan: $600,000 · Annual interest: $37,200
6.2%
Rental Income & Costs
$
8%
$
$
Tax & Projections
$
37%
Inferred rate from salary: 33%
5%
3%
10 yrs
Gross Yield
4.51%
Net Yield (before tax)
3.08%
Year 1 After-Tax Cashflow
-$7,036
Year 1 Tax Saving
$7,068
Negatively geared
The property runs at a tax loss in year 1. Your 37% marginal rate gives a $7,068 annual tax saving, reducing your out-of-pocket shortfall.
Annual After-Tax Cashflow
Interest-only loan assumed. Rent grows at 3% p.a. Negative values = out-of-pocket after tax saving.
Property Value & Equity Growth
Total equity after 10 yrs: $621,671Cumulative cashflow: -$41,677