Investment Property Performance Calculator
Eleven focused inputs. A five-year projection. A clear hold, sell, renovate or refinance verdict — tuned for Sydney's St George investors.
The Property
The Loan
Annual, incl. package discount
Running Costs
Rates + water + strata + insurance + repairs
Expected weeks/year empty
History & Forecast
Sydney 30yr avg ≈ 5–7% p.a.
Rent is assumed to grow at ≈ 75% of your capital-growth forecast (capped 2–3.5% p.a.). Expenses drift at 3% CPI. Loan is amortised as if 30-year P&I at the given rate.
Consider Selling
Deep negative cash flow combined with weak growth suggests the capital is better deployed elsewhere — consider an exit strategy.
Current Year Metrics
5-Year Projection
Assumes 4% p.a. capital growth · 3.0% rent growth · 3% expense CPI · loan amortising P&I.
After-tax cash flow, year by year
Year-by-year detail
| Year | Value | Loan | Equity | Effective rent | After-tax cash |
|---|---|---|---|---|---|
| 2026(today) | $920,000 | $520,000 | $400,000 | $32,500 | -$13,751 |
| 2027 | $956,800 | $514,022 | $442,778 | $33,475 | -$13,331 |
| 2028 | $995,072 | $507,673 | $487,399 | $34,479 | -$13,019 |
| 2029 | $1,034,875 | $500,931 | $533,944 | $35,514 | -$12,702 |
| 2030 | $1,076,270 | $493,771 | $582,499 | $36,579 | -$12,379 |
| 2031 | $1,119,321 | $486,166 | $633,154 | $37,676 | -$12,051 |
Second opinion on your numbers?
I've sold 700+ St George homes since 2001. Book 15 minutes to pressure-test this projection against current market comps.
Further Reading
For suburb-level data behind these projections, read Michael's expert analysis in Your Investment Property Magazine: “St George Is Sydney's Best-Kept Investment Secret”
Explore all property calculators
19 free tools — tap any icon to jump straight in.