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Deposit Recycling Calculator

Estimate how long it may take to recover property investment cash from surplus cash flow or a refinance assumption, with warnings around valuation and lender risk.

Deposit recycling inputs

Compare cash-flow recovery with a cautious refinance assumption. This does not estimate lender approval.

$

Deposit, purchase costs, upfront repairs or other cash you want to recover.

$/yr

Cash flow available to recover the initial cash. Negative values are allowed.

$

Use a current value or future refinance value assumption.

$

The loan balance assumed to be repaid by the refinance.

%

Loan-to-value assumption used to estimate possible refinance loan size.

$

Estimated refinance, legal, valuation, lender or settlement costs.

Value, timing and format assumptionsGrowth, renovation uplift, holding period and regional formatting.GrowthUpliftRegionExport
years

Used for cash-flow recovery and property growth assumptions.

%

Annual value-growth assumption. Negative values are allowed.

$

Optional assumed value uplift from completed work. This is not a valuation.

Region changes labels, currency formatting and defaults only. It does not convert values or apply local rules.

Current formatting

United States · USD

Estimated cash left in the deal after refinance is $59,136.

Result summary

Deposit recycling estimate

Cash-flow and refinance assumptions, not lender approval.

Partial recovery

$59,136

Cash-flow-only recovery is 12.5 years. The refinance assumption recovers $15,864 after costs.

Key takeaway

This is a partial recovery estimate. The remaining cash left in the deal still needs to be covered by cash flow, refinance, sale or additional capital.

Key numbers

Cash-flow-only recovery
12.5 years

Time to recover initial cash from surplus cash flow alone.

Recoverable by refinance
$15,864

Estimated cash after repaying the old loan and refinance costs.

Shortfall after both paths
$41,136

Cash still unrecovered after cash flow and refinance assumptions.

Post-refinance LTV
75.0%

Target refinance loan compared with estimated value.

Recovery paths

Cash-flow-only recovery and refinance recovery are shown separately so the result does not depend on one optimistic route.

Cash-flow-only recovery periodUses the annual surplus cash-flow assumption only.
12.5 years (150 months)
Cash recovered from surplus cash flowOver the 3-year holding period entered.
$18,000
Cash recoverable by refinanceAfter refinance costs, using the target LTV and estimated value.
$15,864
Combined estimated cash recoveredCash flow during the holding period plus refinance recoverable cash.
$33,864
Shortfall remainingInitial cash not recovered by the two paths above.
$41,136

Refinance assumption

Estimated value at refinanceStarting value plus the growth and renovation assumptions entered.
$327,818
Target refinance loan amountUses target LTV of 75%.
$245,864
Existing loan balanceThe loan balance assumed to be repaid by the refinance.
$225,000
Refinance costsCosts reduce the cash that could be recovered.
$5,000
Cash recoverable before costs
$20,864
Cash recoverable after costs
$15,864
Cash out above initial cashA positive number here is especially valuation- and lender-sensitive.
$0

Assumptions used

Initial cash investedDeposit, purchase costs, repairs or other starting cash you want to recover.
$75,000
Annual surplus cash flowCash flow available to recover the initial cash. Negative values are allowed.
$6,000
Value and loanEstimated value at refinance is $327,818.
$300,000 value / $225,000 loan
Growth and uplift$27,818 of estimated value change is from growth or uplift assumptions.
3% growth / $0 uplift
Holding periodUsed for cash-flow recovery and the estimated refinance value.
3 years

Warnings to note

  • This is not lender approval. It is only assumption math based on the values entered.
  • Refinance depends on valuation, lender rules, serviceability, interest rates, loan terms and fees.
  • Equity extraction increases leverage and downside risk if cash flow, interest rates or property values move against the scenario.
  • Property value growth is an assumption, not a valuation or lender-accepted figure.
  • Estimated recoverable cash is driven by assumed growth or renovation uplift. If valuation is lower, the result changes materially.

What this calculator does not include

Use this as a planning estimate, not as a quote, approval, valuation or recommendation.

  • It does not confirm lender approval, refinance eligibility, serviceability, valuation acceptance or loan terms.
  • It does not include tax, legal, accounting, insurance, ownership-structure or local rule treatment.
  • It does not guarantee property value growth, renovation uplift, equity extraction or repeat-purchase ability.
  • It does not recommend buying, refinancing, selling or extracting equity from a property.

General estimate only

This calculator provides a general estimate only. It is not lender approval, refinance approval, tax advice, financial advice, legal advice, mortgage advice, property advice or investment advice.

Copy or export this estimate

Copy a plain-English summary or download a CSV with the inputs, recovery rows, refinance assumption, warnings and general-estimate note.

Exports are generated in your browser. NoNoiseTools does not need to store your numbers or require an account.

How this deposit recycling calculator works

The calculator compares two simple recovery paths: cash-flow-only recovery from annual surplus cash flow, and a refinance assumption based on estimated value, target LTV, existing loan balance and refinance costs.

The refinance path estimates possible cash recoverable after costs. It does not estimate lender approval, valuation acceptance, serviceability, tax treatment or whether extracting equity is suitable.

Region settings affect labels, currency formatting and starting defaults only. They do not convert currencies or apply local lending, tax, insurance or property rules.

What this calculator is useful for

Use it when you want a quick view of how much starting cash might remain in a property after surplus cash flow, refinance costs and an assumed target LTV are considered.

What this calculator does not include

This calculator is a general estimate only. It does not provide lender approval, refinance approval, a property valuation, tax advice, legal advice, mortgage advice or investment advice. It also does not guarantee that cash can be extracted or used for another purchase.

Key terms and assumptionsFormula notes, key terms, source assumptions and limits used in this calculator.

These notes are specific to this calculator. Read the property methodology notes for shared property formulas, region settings and estimate limits.

Cash-flow recovery
Cash-flow-only recovery divides initial cash invested by the annual surplus cash-flow assumption entered. If annual surplus cash flow is zero or negative, cash-flow recovery is not available.
Refinance assumption
Recoverable refinance cash is estimated from property value, growth or renovation uplift, target refinance LTV, loan balance and refinance costs.
Estimated value
Estimated property value and renovation uplift are assumptions, not valuations. Lenders may use different values or rules.
Target LTV
The target refinance LTV is an assumption about a possible loan size. It does not mean a lender will approve that loan.
No tax model
The calculator does not include tax, legal, accounting, depreciation, ownership-structure or local rule treatment.
General estimate
Actual cash recovery can vary because of lender rules, rates, property values, repairs, vacancies, serviceability, fees and market conditions.

Guides and methodology

Plain-English notes that explain the assumptions behind related calculators and tools.

Rental Property Calculator AssumptionsUnderstand effective rent, vacancy, arrears, maintenance, CapEx, downside scenarios, instant equity, workflow tools and regional tax notes where available.Rental Property Analysis ExampleA worked rental property example showing cash flow, yield, break-even rent and the assumptions that move the result.BRRRR Property Example: Cash Left in the Deal, DSCR and Cash FlowA worked BRRRR example showing project cost, refinance proceeds, cash left in the deal, DSCR and before-tax cash flow.Mortgage Refinance Break-Even ExampleA worked mortgage refinance example showing payment change, refinance costs, break-even months and interest tradeoffs.Which Property Calculator Should I Use?Choose between mortgage, rental, rent-vs-buy, refinance, BRRRR, flipping and yield calculators by question.Property calculator methodologyShared property formulas and assumptions for mortgages, rental metrics, downside scenarios, region settings and estimate limits.

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FAQs

What does deposit recycling mean?

In this calculator, deposit recycling means estimating how much starting cash might be recovered from surplus cash flow, refinance assumptions, or both. It is planning math, not lender approval.

Does this guarantee I can refinance?

No. Refinance depends on valuation, lender rules, serviceability, interest rates, loan terms, fees and personal circumstances. The calculator only applies the target LTV assumption you enter.

What is cash left in deal?

Cash left in deal is the initial cash invested minus the estimated refinance cash recoverable after costs. It is floored at zero so a separate cash-out amount can be shown when the assumption returns more than the starting cash.

How does cash-flow recovery differ from refinance recovery?

Cash-flow recovery uses annual surplus cash flow over time. Refinance recovery estimates possible cash from a larger refinance loan after repaying the current loan and refinance costs.

Should I include renovation uplift?

Only include renovation uplift if you want to model an assumed value increase from work completed. It is not a valuation and may not be accepted by a lender.

Does this include tax?

No. This calculator is before tax and does not model income tax, capital gains tax, GST, depreciation, ownership structures or local tax rules.

Is this investment advice?

No. This calculator is a general estimate only and is not financial, tax, legal, accounting, mortgage, insurance, property or investment advice.