NZ Property Cashflow Forecast Engine
A clear, honest, forward-looking picture of your portfolio's cash position — with NZ-specific tax rules, 24-month forecasting, and three-scenario modelling built in.
- 8-tab workbook — Home, Assumptions, Residential, Commercial, Cashflow, Scenarios, Tax Estimator, Dashboard
- 24-month rolling cashflow forecast with ⚠️ cash alerts
- Residential: up to 5 properties | Commercial: up to 3 properties
- 3-scenario modelling — Optimistic, Base, Conservative
- NZ 2025/26 tax rules — 100% interest deductibility, ring-fencing, bright-line test
- Portfolio dashboard — equity, LVR, monthly cashflow at a glance
- No macros — standard Excel formulas only, fully editable
- Includes Quick Start Guide, User Guide, and License PDF
Three Scenarios.
One Clear Picture.
Model three versions of your portfolio's future side by side — so you're never caught off guard by rising rates, falling rents, or higher vacancy.
Optimistic
Higher rental growth (4% p.a.), lower vacancy, costs holding steady, and interest rates easing 0.5%. Understand the ceiling of your portfolio's potential.
UpsideBase Case
Realistic rental growth (2.5%), 2-week vacancy allowance, and stable interest rates. Your most likely financial position going forward.
RealisticConservative
Slower rental growth (1%), higher vacancy, rising cost inflation, and rates up 0.5%. Know your breakeven before the market forces your hand.
Downside🏠 Home
Guided landing page with step-by-step navigation to each tab and a legal notice covering NZ tax rules. No data entry required — read this first.
⚙️ Assumptions
The control centre. Set your forecast start month, opening cash balance, cash alert threshold, mortgage rates, tax settings, and scenario parameters.
🏘️ Residential
Data entry for up to 5 residential rentals. Enter property details, mortgage structure, weekly rent, and vacancy. Blue cells are your inputs — all calculations are automatic.
🏢 Commercial
Up to 3 commercial or industrial properties. Includes lease type, tenant details, CAM recovery, net vs gross lease treatment, and GST-exclusive rent modelling.
📈 Cashflow
The engine room. 24-month rolling forecast pulling from all property tabs. Red ⚠️ CASH ALERT rows fire automatically when your closing balance drops below your safety threshold.
🔄 Scenarios
12-month Optimistic / Base / Conservative comparison side by side. Adjust scenario parameters in Assumptions to model different market conditions.
💰 Tax Estimator
High-level NZ rental tax estimate under 2025/26 rules. Applies your interest deductibility %, marginal tax rate, and ring-fencing rules automatically.
📊 Dashboard
Portfolio at a glance — total value, equity, LVR, monthly cashflow, and 12-month cashflow trend. Green = healthy, amber = monitor, red = critical.
100% Interest Deductibility
Fully restored from 1 April 2025 by the National-led government. The model applies 100% deductibility by default and lets you override the percentage if your situation differs.
Rental Loss Ring-Fencing
NZ rental losses cannot offset salary or other personal income. The Tax Estimator floors your taxable rental income at zero and carries forward any ring-fenced loss for future years.
2-Year Bright-Line Rule
Reflects the 2-year test effective from 1 July 2024. Settlement dates are captured per property so you can monitor exposure across your entire portfolio in one place.
NZ Tax Rate Bands
Set your actual marginal rate (10.5% → 39%) in Assumptions. The Tax Estimator calculates your estimated rental tax liability at your rate. Supports Individual, Company (28%), and LTC structures.
Not Advice — A Planning Tool
The tax figures are estimates for planning purposes only. NZ tax law changes frequently. Always confirm your position with a registered NZ tax agent or chartered accountant.
Commercial GST Treatment
Commercial rent is modelled on an excluding-GST basis (15% GST applies to commercial rents in NZ). The workbook separates residential and commercial income for accurate tax estimation.
Excel Workbook (.xlsx)
NZ_Property_Cashflow_Engine_v1.0.xlsx — 8-tab model, standard formulas only, no macros. Fully editable, no locked cells.
Quick Start Guide (PDF)
Be operational in under 10 minutes. 7-step setup guide with colour-coding reference and quick-lookup table for every key assumption.
Comprehensive User Guide (PDF)
Full tab-by-tab reference. Covers every input field, all NZ tax concepts, glossary of property investment terms, and guidance on positive vs negative gearing.
License Agreement (PDF)
Single-user EULA covering permitted use, restrictions, intellectual property, and liability terms. Please read before use.
README (PDF)
Product overview, file descriptions, system requirements, version history, and important notes on NZ tax rules reflected in the model.
Instant Download (.RAR)
All 5 files delivered in a single .RAR package immediately after purchase. No waiting, no shipping — download and start today.
| Requirement | Detail |
|---|---|
| Microsoft Excel (recommended) | Excel 2016 or later, Windows or Mac. Microsoft 365 provides the best experience with full conditional formatting support. |
| Google Sheets | Upload the .xlsx file to Google Drive → right-click → Open with Google Sheets. All formulas and most formatting transfer correctly. |
| Macros / Add-ins | None required. All calculations use standard Excel formulas only — no macros, no external data connections. |
| Screen Resolution | 1920×1080 or higher recommended for the best chart and dashboard display. |
| Properties Supported | Up to 5 residential rental properties + up to 3 commercial / industrial properties. |
| Technical Skill Level | Basic Excel familiarity. If you can enter numbers into cells, you can use this model. |
| Download Format | .RAR archive containing NZ_Property_Cashflow_Engine_v1.0.xlsx + 4 PDF documents. Delivered via instant download link after purchase. |
| File Size | Approximately 54 KB (.xlsx workbook) |
