Rent minus the mortgage isn't your real return. Free rental yield calculator for Australia: gross and net yield and cash return on a buy-to-let, after buying costs, letting fees, upkeep and mortgage interest.
Costs on top of the price
A$39,508
Moving home · New South Wales ·
What do you want to work out?
What a home could earn if you let it out, after running costs and the mortgage.
Monthly cash flow after costs and mortgage
Gross yield
3.8%Net yield
3.0%Yearly return on your cash
-7.9%Rent a year
A$36,120Running costs a year
A$7,224Cash you put in
A$277,008Cash you put in is the deposit plus buying costs (A$39,508). Before income tax. We start with a rough rent, based on a typical 3.8% gross yield. Change it to the real rent for the area.
An illustration, not investment advice. Rents, costs, rates and tax vary; check with a letting agent and a tax adviser.
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Questions
Moving home in New South Wales: stamp duty is about A$36,938. All buying costs together come to about A$39,508, or 4.2% of the price. Change the price or buyer type above to see your own figure.
Yes. Foreign buyers pay a surcharge on top of stamp duty: 9% in New South Wales and 8% in Victoria, plus a FIRB application fee.
As a citizen or permanent resident, foreign-buyer rules don't apply to you.
A conveyancer or solicitor in the state you're buying in. ID for a 100-point check, and a tax file number if you'll rent it out.
We last updated the figures on 16 Oct 2026 and checked them against official sources on 16 Oct 2026. We check every country every week, and show a warning if a check is overdue.
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