Holding costs calculator
Calculate the weekly holding cost of any New Zealand investment property and see your estimated net cash position at a glance.
Understanding holding costs
Weekly holding cost is the total amount an investor pays to own a property each week, minus the rental income it generates. It's calculated by taking the interest-only mortgage cost and, where applicable, adding estimated operating expenses including property management, rates, insurance, maintenance, accounting and residents association fees.
A weekly cash position close to neutral or positive is generally considered strong for a New Zealand investment property. Properties requiring more than $200 per week out of pocket introduce meaningful holding cost risk, particularly if interest rates rise.
Weekly holding cost is one of the most practical tools an investor can use to understand the real affordability of a property before committing. You can see a detailed cashflow analysis, including stress testing at +1% and +2% interest rates, in our sample report.
This calculator uses an estimated expense figure of $175 per week ($9,100 per year), based on typical NZ new-build investment property costs. Actual expenses will vary by property. A full Paragon report uses verified figures from rental appraisals and known property costs to produce a more accurate assessment.