Rental yield calculator — gross & net, the honest version.

Plug in what the property costs, what the rent is, and the holding costs. Get the gross yield (the number agents quote) and the net yield (the number that actually pays for your loan).

Property & income

AUD

Property

Purchase price or current value

Acquisition costs stamp duty, legals, building & pest

Rental income

Rent received

Vacancy wks/yr

wks

Mgmt fee of rent

Annual holding costs excludes loan interest

Council rates

Water

Insurance

Strata / body corp

Repairs & maint.

Land tax / other

Yield basis

Calculate yield against

// gross yield —% rent ÷ price

// net yield —% after vacancy, mgmt & costs

Net yield benchmark

—

0% 3% 5% 8%+

Where the rent goes — annual Gross A$— → kept A$—

Kept (net income) A$—

Cash holding costs A$—

Mgmt fees A$—

Vacancy A$—

Gross annual rentA$—

Less vacancy — wks × A$—/wkA$—

Less management —% of rent receivedA$—

Effective rentA$—

Cash holding costsA$—

Net operating income basis A$—A$—

// note Gross yield = annual rent ÷ basis. Net yield = (effective rent − cash costs) ÷ basis. Excludes loan interest, depreciation, capital growth, CGT and income tax — use a negative gearing calculator for after-tax cashflow.