Free · cashflowpositive.co.nz
Is your next property
cashflow positive?
30-second analysis on real NZ rental bond data, live bank rates, council rates and insurance. Source-cited, no signup to see your verdict.
Free · 5 assessments per day · MBIE Q4 2025 · RBNZ live rates
What launches next
The verdict, the breakdown, the dashboard.
The free tool returns a clean cashflow verdict on the address you submit. The dashboard tracks every input behind it.
Cashflow positive
+$42 / wk
surplus before tax
12 Example St, Ponsonby, Auckland
$850,000
100% finance · interest only · adjust LVR on Starter
Source: MBIE Rental Bond Data Q4 2025 · RBNZ 28 Apr 2026
W1 · OCR monitor
The wholesale rate that anchors investor finance.
Tested at 100% finance
Same property, two tests. Only one of them is comparable.
Partial LVR scenarios flatter the verdict — borrow less and almost anything looks cashflow positive. Testing at 100% finance asks the harder question. Same standard, every property, comparable across the country.
60% LVR test
+$210 / wk
Looks cashflow positive.
12 Example St · 60% borrowed at 6.49%
100% finance test
−$372 / wk
Cashflow negative.
Same property · 100% borrowed at 6.49%
Every figure has a source
No black box. Every input is named, dated, and refreshed.
The verdict is only as good as the data behind it. Here is what feeds the calculation, where it comes from, and how often we refresh it.
MBIE
$720 / wk
Median weekly rent by TLA, bedroom count and property type.
refresh: quarterly
RBNZ
2.25%
Official Cash Rate and the wholesale curve that anchors finance.
refresh: daily
Auckland Council
0.31%
Rate-in-the-dollar by suburb. Per-address lookup behind the scenes.
refresh: quarterly
Insurance model
$2,160 / yr
Regional multiplier on a base premium. Tower / IAG indicative.
refresh: quarterly
Who it's for
Built for investors who do their own due diligence. Not for gurus, not for tyre-kickers, not for first-home buyers wondering what the market thinks.
Plain-English numbers. Source-cited inputs. The verdict and the maths, never the marketing.
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Get the verdict before everyone else.
Built source-cited from MBIE bond data and live RBNZ rates. We will email you the day it goes live.