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Investment Analysis & Cashflow Estimation Select Another Report
Below is the analysis from sample information. When you have your own properties established this report will use that information. On the real report you can alter your information on the bottom part of this report for different scenarios. The results are as accurate as; the information you enter, your assumptions for the future and the assumptions built into this tool. These results can be confusing to understand. Please read Frequently Asked Questions which will attempt to explain them. If you have a query regarding this tool, please ask it in the support@propertyreturns.co.nz.
2002 2003 2004 2005 2007 2012
Property Value 500,000 510,000 520,200 530,604 552,040 609,497
Borrowings 200,000 175,192 148,538 119,899 56,071 0
Borrowings % 40.00 34.35 28.55 22.60 10.16 0.00
Equity 300,000 334,808 371,662 410,705 495,970 609,497
Rental Income 55,000 56,100 57,222 58,366 60,724 67,045
Capitalised Yield % 11.00 11.00 11.00 11.22 11.44 12.89
Expenses (inflation adjusted) 4,500 4,590 4,682 4,775 4,968 5,485
Interest on Borrowings 13,592 11,746 9,762 7,631 2,880 0
Principal Payments 24,808 26,654 28,638 30,769 35,520 0
Cash Flow Before Tax 12,100 13,110 14,140 15,191 17,356 61,559
Building Depreciated Value 350,000 341,250 332,719 324,401 308,383 271,715
Building Annual Depreciation 8,750 8,531 8,318 8,110 7,710 6,793
Building Accumulated Depreciation 8,750 17,281 25,599 33,709 49,326 85,078
Chattels Depreciated Value 20,000 18,500 17,112 15,829 13,544 9,172
Chattels Annual Depreciation 1,500 1,388 1,283 1,187 1,016 688
Chattels Accumulated Depreciation 1,500 2,888 4,171 5,358 7,472 11,516
Taxable Income 26,658 29,846 33,177 36,663 44,151 54,078
Return on Equity % Before Tax 8.89 8.91 8.93 8.93 8.90 8.87
Estimated Tax Payable 8,797 9,849 10,948 12,099 14,570 17,846
Income After Tax 17,861 19,997 22,229 24,564 29,581 36,233
Return on Equity % After Tax 5.95 5.97 5.98 5.98 5.96 5.94
Cash Flow After Tax 3,303 3,261 3,192 3,092 2,786 43,713


  The default values below are calculated from the last 12 months for the selected property/holding.
  When you have your own data, you can alter these to test different scenarios.
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Investment Analysis & Cashflow Estimation
Enter Property Valuation
This may be the purchase price (if recently purchased or is a possible purchase), or a current valuation, or your best guess.
Estimated Average Capital Growth %
Enter your estimated average annual capital growth for the next ten years.
Enter Total Borrowings
Include total of all mortgages etc where the cost of the mortgages is to go against the income. You may use the to help you.
Enter Average Interest Rate
Enter what your estimate of what the average annual interest rate for your borrowings will be for the next ten years.
Enter Monthly Mortgage Payments
This should be the total payments, including interest and principal monthly payments, that you are paying or you plan to pay. You may use the to help you.
Enter Building Value to be Depreciated
Enter the value of the building(s) on the property that can be depreciated.
Enter Building Depreciation Rate
Enter the current building depreciation rate or whatever rate you would like to use for the next ten years.
Enter Chattel Value to be Depreciated
Enter the value of the chattels on the property that can be depreciated excluding GST.
Enter Chattel Depreciation Rate
Enter the current chattel depreciation rate or whatever rate you would like to use for the next ten years.
Enter Total Expenses per Year
Enter your estimate of the average expenses per year that can be used for the next ten years excluding GST.
Enter Annual Rent
Enter the current rental received per year excluding GST.
Estimated Annual Rental Growth Rate
Enter your estimate of the annual rental growth rate to be used for the next ten years.
Enter Inflation Rate
Enter your estimate of the average annual inflation rate for the next ten years.
Enter Your Effective Tax Rate
Enter your estimate of your average tax rate for the next ten years.

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