Property Cashflow Simulation
Project annual cashflow, mortgage paydown, and equity growth for an investment property over time.
About this calculator
The Property Cashflow Simulation on NumberCals is a free, mobile-friendly tool for anyone needing to project annual cashflow, mortgage paydown, and equity growth for an investment property over time. Enter your values in the form below and the result is computed instantly — no sign-up, no installation, no waiting.
Formula used
Annual cashflow = Rent − Expenses − Mortgage; Equity = Property Value − Loan Balance
What you'll need
- Property Price (e.g. 750000)
- Deposit (e.g. 150000)
- Mortgage Rate (%) (e.g. 6.25)
- Loan Term (years) (e.g. 30)
- Weekly Rent (Year 1) (e.g. 650)
- Annual Expenses (Year 1) (e.g. 8000)
- Annual Rent Growth (%) (e.g. 3)
- Annual Expense Growth (%) (e.g. 2.5)
- Annual Capital Growth (%) (e.g. 4)
- Years to Simulate (e.g. 10)
What you'll get
- Year-by-Year Cashflow
- Cumulative Cashflow
- Final Equity
Formula
Annual cashflow = Rent − Expenses − Mortgage; Equity = Property Value − Loan Balance
Result
Frequently Asked Questions
What's the difference between cashflow and total return? +
Cashflow is just the year's rent minus costs. Total return adds capital growth (which you don't realise until sale) and mortgage paydown (equity building).
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