Useful next calculations
When to use this calculator
- Before buying, renting, refinancing or reviewing a property investment.
- When you want to compare cash flow, tax, yield or ownership costs.
- When you need a fast estimate before speaking to an agent, lender or adviser.
- When you want to see how a rate or price change moves the result.
A worked example
These are the example figures the calculator opens with.
| Input | Value |
|---|---|
| Annual Rent (NZ$) | NZ$14,400 |
| Property Value (NZ$) | NZ$250,000 |
For those figures the calculator returns:
- Rental yield: 5.76%
- Monthly rent: NZ$1,200.00
Common mistakes
- Using an assumption that is not supported by a current local quote, bill, statement or official source.
- Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- Mixing monthly and annual inputs without converting them consistently.
- Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
Questions people ask
No. Yield measures income return only. Total return combines yield with capital growth (or loss), minus ownership costs. A 5% yield with 3% annual price growth produces an 8% gross total return, but this ignores transaction costs, tax, and leverage effects that materially change the picture for a mortgaged landlord.