Cash-Flow Break-Even Rent

This calculator is for cash flow only: it shows the rent needed to cover ongoing costs, not profit or capital growth.

Calculator

Current weekly rent ($)

Council rates ($/year)

Insurance ($/year)

Repairs & maintenance ($/year)

Mint Property Mate or Property Management (% of rent)

Strata / body corporate ($/year)

Other deductible costs ($/year)

Loan balance ($)

Interest rate (% p.a.)

Years remaining on loan

Loan repayment amount ($)

Loan repayment frequency

Vacancy weeks

How to Apply

Use this as a cash-flow floor when setting rent. Enter real operating costs by category and your actual repayment amount with its frequency (weekly, fortnightly, or monthly), then update each lease cycle.

Mint Tip

Keep this calculator for cash-flow break-even only. Track profit separately with tax, depreciation, and long-term growth assumptions.

Mint Takeaway

This tool is a cash-flow break-even calculator, not a profit forecast.
Split operating costs into deduction categories for more accurate rent targets.
Enter loan repayments using the same frequency your lender uses.
Re-run after refinance, insurance renewal, or major cost changes.

Calculator

How to Apply

Mint Tip

Mint Takeaway

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