Property Investment Calculators

New Zealand's most comprehensive suite of investment property calculators. Use these property investment calculators to calculate your equity, capital growth, rental yields, mortgage repayments, serviceability, and more.

Updated: 27/02/22


Ed McKnight

Economist, property investor and host of the Property Academy Podcast
Property Investment Calculators Intro

A smart investor treats property like a business - and in business, it's all about the numbers. Use these investment property calculators to see how investing in property now could shape the path to your retirement and financial freedom.

1. Property Investment

Property Investment Calculator

A property investment calculator that gives you the 7 figures and answers you need so you know whether you should invest in a property or not.

The property investment calculator, shown above, gives you the 7 key numbers you need to know when analysing a potential investment, forecast over 10 years.

It's essential to recognise that the numbers shown in this property investment calculator are averages only. The figures shown will not be the same every single week that you hold the property. You will need to weather the ups and downs over the market.

Properties in NZ

However, knowing these averages will give you the confidence to hold over time.

To make the property investment calculator simple to use, we've included assumptions about the investment, like:

  • That the purchase price of the property is the same as the value of the property. This may not always be the case. For instance, if you can purchase a property for less than its registered valuation.
  • That the mortgage used to secure the property will be interest only, rather than principal and interest. This will decrease the mortgage repayment and improve the cash flow position of the property.
  • That the interest rate on the mortgage is 2.5%
  • That there will be $3,500 of set-up costs. This would be spread across legal expenses, a valuation and a chattel valuation
  • That rates will be 0.48% of the property's value in the first year (increasing at the rate of inflation), and that insurance will cost 0.3% of the property's value in the first year
  • That a property manager will be used and will cost 7% +GST of the rent
  • That you will use a property investment accountant, who will charge $1000+GST in the first year
  • That the property will have 3 weeks vacancy per year, which means that you will only receive rent for 49 weeks in the year. This is a conservative assumption. The effect of this is that you will see a more negative picture in the figures than may actually be the case
  • Inflation is at 2% per year, which means that the rent and non-mortgage expenses will increase at 2% per year
2. Leverage

Equity and Leverage Calculator

Leverage is your friend and will propel you forward faster to get you to retirement earlier. Use our equity calculator to do some basic numbers to see how much your deposit or equity could allow you to invest.

3. Capital Growth

Capital Growth Calculator

Let’s do some basic numbers using our capital growth calculator to see how much capital growth you can achieve from your investment.

4. Rental Yield

Rental Yield Calculator

A rental yield calculator that shows you how much your investment property will earn or cost your per year.

5. Mortgage Repayment

Mortgage Repayment Calculator

A mortgage calculator that shows you what your mortgage repayments would be when using a principal and interest loan for your investment property.

6. Interest Only Mortgage Repayment

Interest Only Mortgage

An interest only mortgage calculator that shows you what your interest only mortgage repayments would be when using an interest only loan for your investment property.

7. Loan to Value Ratio

Loan to Value Ratio

This fast, simple and clear LVR Calculator will show you the LVR of your property, along with what you can potentially borrow against it.

8. Return on Equity

Return on Equity

Considering an investment in property? Use this calculator to figure out what your return on equity will be on that investment.

property calculators for investments
Who are Opes Partners?

Who are Opes Partners and can they help me?

What is the 3-Step Opes Coaching Programme?

1. Plan out your property investment portfolio

The first step in the programme is to co-create a plan using our MyWealth Plan software. We built this software specifically to help Kiwis create a financial plan in under an hour.

You'll leave this 1-hour session with a written down plan. Pen to paper.

2. Pick properties that fit with your plan

Once you've created your plan in step #1 – your property partner will go out and find properties that fit your plan. They'll search through projects from up to 58 developers to find the best ones for you.

When you meet again, you'll review the top picks, go through the analysis, crunch the numbers together, and then decide which ones to hold with the developer.

3. Dig into the details – Confirm it's the right property for you

Once you've selected a property, you'll work for 10 days to make sure it's the right property for you. So you'll work with your Property Partner and Client Relationship Manager to dig into the details of the property.

You'll go and look at the development and be introduced to mortgage brokers, solicitors, accountants, and property managers. Their sole job is to help you figure out if this property works for you.

And you’ll have access to all the resources, tools, and data … so when confirmation day comes, you have confidence you know you’re making the right decision.

Who is the Opes Coaching Progamme the right fit for?

  • You understand the concept of property investment, but who wants help putting it into practice.
  • You want a “Done for you” property investment service, so you can be a hands-off investor.
  • You are someone who has at least a 10 year investment time horizon.
  • And finally, you’re ready to become a property investor.

Who is the Opes Coaching Progamme is NOT the right fit for?

  • You’re more into the smell of paint or the colour of a wall than the numbers that stand behind an investment property.
  • You only want investments that are hands-on, so you can save a few dollars here and there.
  • You have plenty of time on your hands and want to do the property investment process yourselves.
  • You’re looking for an overnight success and want to get rich quickly.

What does it cost to work with Opes Partners and go through the programme?

It’s free. Complimentary. No Cost.


The developer pays us a marketing fee when you confirm that the property is the right fit for you. Very similar to the way a mortgage broker gets paid by the bank.

Now it's important to note that we are paid the same fixed rate no matter what property you invest in.

If it’s a $500k apartment in Christchurch or a $1.3 mil 3-bedroom townhouse in Ponsonby – we get paid the same rate.

That's important because then we can recommend the right property for you, and there's no incentive to recommend you invest in a more expensive property, just so we get paid more.

I want learn more about how Opes can help me

Learn more about the Opes Coaching Programme Here


Ed McKnight

Ed McKnight is the host of the Property Academy Podcast – NZ's #1 business podcast. He is an economist, having studied at the University of Auckland and the University of Waikato. He's a frequent writer for Informed Investor Magazine and has contributed to NewsHub, Stuff, OneRoof and Property Investor Magazine.