NZ Rental Yield Calculator
Enter a purchase price, weekly rent and deposit to instantly calculate gross yield, net yield, cash flow and LVR.
Rental yield in NZ is calculated by dividing annual rent by the property purchase price, then multiplying by 100. Gross yield is before expenses; net yield deducts rates, insurance, management fees, and maintenance. A good rental yield in NZ is 5–7% gross — Gisborne leads at 7.5–8.5%, Auckland is lowest at 3.5–4.5%. Enter your property details below to calculate gross yield, net yield, weekly cash flow, and LVR instantly.
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Gross vs net yield
Gross yield is rent divided by purchase price — before any costs. Net yield deducts operating expenses (management, rates, insurance) but not the mortgage. Use net yield to compare properties fairly.
Learn more →Cash flow explained
Cash flow is what you actually pocket each week after paying the mortgage and all operating expenses. Positive cash flow means the property pays for itself — negative means you top it up from your income.
Learn more →What is LVR?
Loan-to-Value Ratio is your loan as a percentage of the property price. Most NZ banks require a 20–35% deposit for investment properties, meaning an LVR of 65–80% maximum.
Learn more →Explore city yield guides
Compare estimated rental yield ranges across New Zealand suburbs.
All results are general information only and do not constitute financial advice. They are estimates based on the information you provide and third-party data sources. Always do your own due diligence or speak to a licensed financial adviser before making investment decisions.