Property Cashflow & Equity Calculator

Property Cashflow & Equity Calculator - Click to enlarge picture.
$43.48 NZD
Approx $31.71 USD


 
Blurb: Now you can run the numbers on a potential deal in moments!
Understand the whole picture, from both a cashflow and equity perspective, forecast to up to 15 years.
Product Type: Calculator Tool

Understanding the numbers is the most critical part of your decision process when buying an investment property.  Unfortunately most people spend very little time looking at the cashflows and financials of a property.

Whether you’re buying your first rental property or you have a number of properties, you can use this calculator to help you do the sums.

How it works

You type in figures such as:

  • Purchase price
  • Loan amount
  • Interest rate
  • Various annual costs such as rates, insurance, maintenance, etc
  • Rental income
  • Property management cost
  • Chattels value estimate (explained with an attachment)
  • Annual expected % increases in capital growth and rent.
  • Likewise annual expected % increases in ongoing costs
  • Tax rate

The calculator will (over a 15 year period):

  • Show you how much of the rent will cover the costs of owning the property and how much you will need to contribute (or what the positive cashflow is)
  • Compare the Interest Only and Principal and Interest repayment costs
  • Show you the effect of different levels of deposit
  • Give you an estimate of your potential tax changes (rebate or extra payment)
  • Work out the Gross Cashflow (before tax) and Net Cashflow (after tax)
  • Project your capital growth and cashflows forward15 years
  • Allow you to manually allow for capital growth and expense increases
  • Work out your true Return on Investment over time as well as year-on-year



The iFindProperty Calculator is very easy to use and provides a one page financial analysis of a property going 15 years into the future.  It will be an invaluable tool and help you make good decisions.

System Requirements:
The calculator was made in Microsoft Excel. It has been tested on modern versions of Excel for Windows & Mac and on LibreOffice version 4.1.3.2

About the Authors

Graeme Fowler, author of 20 Rental Properties in One Year, is a well known educator, speaker and property expert in NZ. He has completed over 500 real estate transactions since starting out at the young age of 24 after reading the classic book “Jones on Property” by Bob Jones. Graeme has a portfolio of over 70 properties and still is very actively buying, renovating and selling properties today.

Lisa Dudson, author of The New Zealand Property Guide, is a bestselling author of many titles, including The Complete Guide to Residential Property Investment in New Zealand (which spent 26 weeks on the best seller list). Lisa has written hundreds of articles and been a columnist for numerous publications including The New Zealand Herald, Sunday Star-Times, Womens Day, NZ Property Magazine, Yahoo and msn.