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Property Yield Calculator

Calculate gross yield, net yield, and cash-on-cash return for your investment property

Property Details

$

Current market value or purchase price

$

Your cash contribution (typically 20%)

Rental Income

$

Expected weekly rental income

Average vacancy between tenants

Annual Expenses

$

Typically $1,500 - $3,000/year

$

Landlord insurance: $800 - $2,000/year

$

$0 for houses, $2,000 - $6,000+ for units

$

Rule of thumb: 1% of property value

Property Management

Est. $2,275/year based on rental income

Gross Yield

4.23%

Net Yield

2.78%

After all expenses

Cash-on-Cash

11.58%

Return on your cash

Annual Cash Flow

$22,225

$1,852/month • $427/week

Income vs Expenses

Net Income68%
Total Expenses32%
$22,225
$10,275

Yield Benchmark

Bank Term Deposit~4.5%
Your Net Yield2.78%
Your Cash-on-Cash11.58%

Annual Summary

Gross Annual Rent$33,800
Less Vacancy (2 weeks)-$1,300
Effective Rental Income$32,500
Council Rates-$1,800
Insurance-$1,200
Strata Fees-$3,000
Maintenance-$2,000
Management (7%)-$2,275
Net Annual Cash Flow$22,225

Cash Invested

Deposit$160,000
Est. Stamp Duty (~4%)$32,000
Total Cash Invested$192,000

This calculator provides estimates only. It doesn't include mortgage interest, tax implications, or capital growth. Consult a financial advisor for comprehensive investment analysis.

Next step

Want a real rental appraisal on your property?

Michael Kalinovski will review your numbers, benchmark them against 2216 postcode comparables and show where you can lift yield without overcapitalising.

  • Free 20-minute investor consultation — no obligation
  • Includes our 2216 Postcode Complete Buyer’s Guide PDF
0411 818 171

Expert Insight

Michael Kalinovski recently published an expert analysis in Your Investment Property Magazine covering why St George delivers some of Sydney's strongest rental yields and three data-driven strategies for maximising returns in 2026.

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