Running the numbers on a potential investment is crucial for any property investor. Successful investors know that investing in property is less about the house and more about the investment (the numbers).

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 before we get started, 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. However, knowing these averages may give you the confidence to hold over time.

### The inputs for the property investment calculator

We'll work through each of the inputs for the property investment calculator, showing you what they all mean.

**Value of the property**

This is what the property is worth. As shown below in the assumptions, we use this to calculate the mortgage on the property.

**Cash deposit**

This is if you have any cash that you will use as the deposit for the property. If you use $0, then we will assume that you will secure the property with 100% lending. This will likely mean you are using another property (or properties) to secure the deposit. To calculate whether you have enough equity to invest in property without a cash deposit, use our equity calculator.

**Capital growth rate**

This is how quickly you expect the property to increase in value each year. The average for New Zealand properties over the last 20 years is 6.36% (REINZ, Aug 1999 - Aug 2019). We use a more conservative default figure of 5% in this property investment calculator. Use our capital growth calculator to see what a property might be worth over time.

**Condition of the property**

The condition of the property impacts the level of maintenance required on the property each year. We estimate this as $500 per year for a brand-new property, $1000 per year for a 'New-Ish' property (less than 20 years old), and $2000 per year for an 'Older' property (20 years+ old)

**Rent per week**

This is what the tenant pays you each week. The property investment calculator forecasts that it will increase at a rate of 2% per year, which is our assumed inflation rate.