Cash Flow Calculator

Does the rental pay for itself each month?

Rent and bond
Per month
Monthly costs
Assumptions

%

Assumption - change to suit
See what the rental leaves each month
Enter the rent, the bond and the monthly costs, then press Calculate Cash Flow.
  • Your monthly cash flow, positive or negative
  • The cash flow over a year
  • The rent you'd need to break even
About these figures

Worked out from the figures you enter and the published rates and tables shown; results marked as estimates depend on assumptions. General information, not financial, credit, tax or legal advice - Property HQ is not an authorised financial services provider or a registered credit provider, and banks do their own affordability assessment under the National Credit Act. Confirm the figures for your own case with your bank, conveyancer or a registered tax practitioner.

Where the figures come from

Tax, transfer duty and CGT tables from SARS; prime, repo and CPI from the South African Reserve Bank; minimum living costs from the National Credit Act regulations; exchange rates from the European Central Bank (via Frankfurter).

Frequently asked questions

2 quick answers - tap a question to open it
What is positive cash flow?

When the rent you collect is more than everything the property costs you each month, including the bond. Negative cash flow means you top it up from your own pocket.

Which costs should I include?

The bond repayment and bank fee, levies, rates and taxes, insurance, maintenance, the managing agent's fee if you use one, and an allowance for months without a tenant.