Scenario Inputs
Purchase Price
$780,000.00
LVR
80.00%
Interest Rate
6.20%
Annual Rent
$41,000.00
Annual Expenses
$7,600.00
Annual Depreciation
$2,500.00
Marginal Tax Rate
37.00%
Loan Type
Principal & Interest
Curated Scenario Report
Interest-Only vs Principal & Interest Example
This report uses a principal-and-interest loan setup to highlight cashflow pressure from principal repayments.
Results
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What This Means
What this scenario shows
Principal repayments reduce after-tax cashflow while tax deductions remain tied to interest and eligible expenses.
How to compare
Run this scenario in calculator mode and toggle loan type to compare interest-only outcomes directly.
FAQ
Is principal repayment deductible?
No. Only eligible expenses and interest are treated as deductible in this model.
Does this include offset account effects?
No. Offset/redraw behaviour is out of scope for this calculator version.