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Negative Gearing Calculator

Calculate your property investment tax benefits, cash flow, and required capital growth.

Investment Details

$
$
$
$
%
years
$

Include rates, insurance, maintenance, property management, depreciation, etc.

Summary

Tax Rate

30.00%
*does not include Medicare levy

Annual Rent

$28,600

Annual Loan Payment

$40,958

Total Expenses

$48,958
Loan payment + property expenses

Net Cash Flow

-$20,358
Annual rental income minus total expenses

Tax Impact

$4,297
Refund from taxable loss (30.00%)

Annual Cost to Hold

$16,061
Net cost after tax benefits

Required Annual Capital Growth

2.68%
Minimum growth needed to offset holding costs (vs property price)

Annual Breakdown

Rental Income
Loan Payment
Property Expenses

Frequently Asked Questions

General Information Only

This calculator provides general information only and does not constitute personal financial advice. Results are estimates based on the inputs provided and current ATO rates. Your actual tax obligations may differ. Please consult a licensed financial adviser before making any financial decisions.

Not sure if your numbers stack up?

This calculator is a great starting point — but smart property investing is about more than tax savings. In a free 30-minute session, I'll help you:

  • sanity-check your assumptions
  • understand the real risks and opportunities
  • see if the numbers align with your long-term financial goals

No pressure. No obligations. Just expert clarity.

Alan O'Reilly - Financial Adviser

Meet Alan O'Reilly — an experienced, dual-accredited financial adviser helping Australians make smarter investment decisions with confidence.