Property Investment Returns Calculator - Work Out Your Cashflow and Equity Gains
- Ryan Smith
- Sep 5
- 2 min read
Invest with confidence using our property investment returns calculator to see how your next property will perform.
Before you buy an investment property, you need to know not just what it will cost you, but how it will perform over time.
Will the rent cover the expenses?
How much equity could you gain?
What will your overall return look like?
Our Property Investment Returns Calculator helps you answer these questions in minutes.
By combining your expected income, expenses, and capital growth, it gives you a clear picture of your property’s potential so you can invest with confidence.
What This Calculator Does
This free tool works by factoring in:
Purchase price – what you’re paying for the property
Rental income – how much you expect to receive from tenants
Ownership costs – mortgage repayments, rates, insurance, maintenance, and more
Expected capital growth – your forecast for the property’s value over time
From there, it calculates your net cashflow (the money in or out each year) and your equity gains - showing your total return from both income and capital appreciation.
Why This Matters for Investors
Understanding a property’s full return potential before you buy helps you:
Avoid investments with negative cashflow that could strain your budget
Identify properties that meet your yield and growth targets
Compare multiple opportunities side-by-side with hard numbers
Build a balanced portfolio of both income and growth properties
Try the Calculator Now
Run the numbers on any property you’re considering and see exactly how it stacks up.
Related Tools
If you’re looking for other ways to analyse your investments, you might also like:
Learn How Much You Can Invest – work out your investment budget using our property investment calculator
Mortgage Repayment Calculator - find out how much your mortgage repayments will be on a new loan
How Does The Property Investment Returns Calculator Work?
This tool projects your potential returns over a 10-year period. It factors in your rental income, expected capital growth, and common ownership costs such as rates, insurance, and residents' association fees. The results are shown in two parts - annual cashflow and the estimated increase in your property’s value over time.
What Assumptions Are Built Into The Interest Rate And Growth Figures?
The calculator applies one fixed interest rate for the full 10-year projection, and uses a growth rate you can customise. As a starting point, we suggest 5% for major cities (excluding Auckland) and 6% for Auckland and Central Otago, based on historical performance trends.
What Inputs Can I Change?
You have full control over key variables such as the property purchase price, the interest rate, weekly rent, and capital growth rate - allowing you to run multiple scenarios and see how each factor impacts your return.
Are The Results Guaranteed?
No. The figures are an estimate based on the numbers you enter. Real-world results depend on future market conditions, lending criteria, and your individual investment strategy. For personalised advice, talk to a Thrive Investment Partners advisor.
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