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Investment property cash-flow & negative gearing
See the before- and after-tax weekly cost (or income) of holding a rental property. This is the conversation every landlord should have before June — not after.
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Assumptions
- Interest is estimated as loan balance × rate (interest-only). P&I loans will differ.
- Depreciation is deductible without cash outflow — a quantity surveyor report often pays for itself.
- Tax impact estimated at your FY 2026–27 marginal rate plus 2% Medicare levy.
- Vacancy, land tax and capital growth are not modelled. CGT applies on sale.
- Annual rental income
- $33,800
- Loan interest
- − $48,000
- Cash expenses
- − $8,000
- Annual depreciation (if known)
- − $6,000
- Net rental result (taxable)
- -$28,200
Negatively geared — this loss reduces your taxable income.
- Estimated tax impact at your marginal rate (32%)
- + $9,024
True after-tax holding cost
$253/wk
General guide only — not tax or investment advice, and not a recommendation to buy property. Outcomes depend on your circumstances; talk to us before acting.
Ask us to review your rental schedule