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I'll give it a go that way then. thanks the calculator I was using I downloaded for free from http://www.investmentpropertycalculator.com.au/free-investment-property-calculator.html but as i said, depreciation is not listed seperatley as a non cash deduction. other than that i was...

that looks quite straightforward, though it is based on just 1 income right?

quick question when it comes to spreadsheets...... ......i was using a basic excel sheet I found on the net. Nice easy and straightforward! to test it out and learn how to use it I did this: had a summary page from a broker with an example of how 'out-of-pocket' we would be. I copied his...