Holding costs calculator
Calculate the weekly holding cost of any New Zealand investment property and see your estimated net cash position at a glance.
How to calculate holding costs on an investment property
Weekly holding cost in real estate is the total amount an investor pays to own a property each week, minus the rental income it generates.
Holding cost = (Mortgage payment + Operating expenses) - Rental income
For example, a property with $550 weekly interest only mortgage payments, and $175 per week in operating expenses (rates, insurance, property management, etc.), and rents for $650 per week has a holding cost of $75 per week.
A weekly cash position close to neutral or positive is generally considered strong for a New Zealand investment property. Properties requiring more than $200-$300 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.