Investor Tools
Negative Gearing Calculator
See your real after-tax cost of owning an investment property. Enter your income, loan details and expenses to find your weekly out-of-pocket figure and tax benefit.
Annual Salary
$120,000 $50K$500K
Purchase Price
$750,000 $200K$3M
Deposit
20% 10%40%
Loan amount: $600,000
Interest Rate (I/O)
6.20% 3.00%10.00%
Vacancy Rate
2.00% 0%10%
Property Management Fee
8.00% 5%12%
% of effective annual rent
Get a quantity surveyor report for accurate figures.
Tax & Cashflow Summary
Annual rental income
Total deductions
Net rental income / loss
Your marginal tax rate
Tax Benefit
annual tax saving
After-Tax Weekly Cost
real out-of-pocket per week
Pre-tax weekly cashflow
Annual tax saving
Tax Comparison (2024–25)
| Scenario | Tax Payable |
|---|---|
| Without property | |
| With property | |
| Difference |
Estimate only. Pre-tax depreciation requires a quantity surveyor report. Consult a tax accountant for personal advice.
Book a Free Appraisal