What is gross vs net rental yield?

Gross yield uses total annual rent divided by purchase price. Net yield subtracts ongoing expenses (and vacancy) from annual rent before dividing by purchase price.

Does this include principal repayments?

No. Interest is approximated as loan × rate (interest-only). Principal repayments are excluded to keep yield focused on the property's income vs expenses.

How is vacancy applied?

Vacancy reduces effective annual rent: effectiveRent = grossAnnualRent × (1 − vacancyRate%).

Are one-off costs included?

Acquisition costs like stamp duty and legal fees are shown in Advanced. They do not change annual yield here, but matter for total project ROI.

How are charts calculated?

Income slice uses effective annual rent after vacancy. Expense slice uses total ongoing annual expenses (rates, insurance, management, maintenance, etc.). Cash flow bars repeat monthly cash flow for 12 months.

Calculator

Investment Property Yield Calculator (2026)

Estimate gross and net rental yield, and see projected weekly, monthly and yearly cash flow.

Formula

Gross Yield = Annual Rent / Purchase Price; Net Yield = (Effective Annual Rent − Ongoing Expenses) / Purchase Price

Estimate updates below

Gross Rental Yield4.80%

Step 1

Inputs

Negative Cash Flow-$1,664.00

Rental Frequency:

Purchase Price*

Total purchase price of the property

Rental Income (Weekly)*

Gross rent before vacancy and management fees

Loan Amount (optional)

Used to estimate annual interest cost (interest-only)

Interest Rate (%)

Annual interest rate used for interest-only cost

Vacancy Rate (%)

Expected share of time the property is vacant

Optional expenses and fees

Step 02 · Resultsinstant

Gross Rental Yield

4.80%

Net Rental Yield

4.70%

Cash Flow (Weekly)

-$32.00

Cash Flow (Monthly)

-$138.67

Cash Flow (Yearly)

-$1,664.00

Visualisation

Income vs Expenses

Effective annual income vs ongoing expenses (incl. interest)

Income48.7%

Expenses51.3%

FAQ

Frequently asked questions

Keep going

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Guides

Understanding Stamp Duty — A Complete Guide

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NSW Stamp Duty 2026: Rates, Thresholds, FHB & Surcharges