Combine your home loan and investment property to see what actually leaves your account each month — not just the property's yield.
Your home loan and its running costs
Rent in, running costs out
Airbnb managed by you — nightly income in, hosting costs out
Used to estimate the negative gearing tax benefit — property owned 50/50
255 nights booked a year across about 85 stays.
Cash flow above is pre-tax; the after-tax figure applies the estimated negative-gearing benefit below. One-off repair costs aren't included. Letting fees are assumed at 1 week of rent a year, and vacancy at 2 weeks a year.
2025-26 resident rates plus 2% Medicare levy, property split 50/50 — long-term investment property only
The taxable loss uses loan interest only — principal repayments aren't deductible — so it differs from the cash-flow figure above. Estimates only, based on 2025-26 resident rates and a 2% Medicare levy; offsets, HECS/HELP, private health cover and other income aren't modelled. Not tax advice.
Projected as rent and expenses grow and each loan term runs down
Line shows total monthly cash leaving your account (negative means the investment surplus covers the home). Repayments assume each loan's current rate holds and drop to $0 once its term ends; council, insurance and other running costs inflate at the rate above.