Negative Gearing Tax Benefit & Investment Cashflow Calculator
Calculate rental income, mortgage interest deductions, depreciation, and net tax refund benefits from negative gearing investment properties in Australia.
Calculate rental income, mortgage interest deductions, depreciation, and net tax refund benefits from negative gearing investment properties in Australia.
Calculate rental income, mortgage interest deductions, depreciation, and net tax refund benefits from negative gearing investment properties in Australia. Calculate exact, penny-accurate projections compliant with 2026 ATO • Reserve Bank of Australia (RBA) standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Taxable paper loss of $18,700.00 deducted from your salary.
Tax Benefit = (Rental Income - Interest - Operating Costs - Depreciation) × Marginal Tax RateNet Cash Flow After Tax = (Gross Rent - Cash Expenses) + ATO Tax Refund.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual ATO tax rates, superannuation rules, RBA cash rates, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult an ASIC-licensed financial advisor or CPA prior to executing financial commitments.
Negative gearing occurs when the deductible costs of owning an investment property (interest, rates, insurance, depreciation) exceed the rental income generated. You can offset this net rental loss against your salary to reduce your taxable income.
Depreciation allows property investors to claim tax deductions for the aging of the building structure (capital works - 2.5% per year) and fixtures/fittings (plant & equipment) without having to spend any actual cash each year.
Negative gearing creates an immediate cash flow tax refund, but it is ultimately profitable only if the long-term capital growth of the property exceeds the cumulative ongoing holding losses.
Calculate net take-home pay across weekly, fortnightly, monthly and annual periods with updated Stage 3 tax cuts, Medicare Levy (2%), and 12% Superannuation.
Calculate compulsory HECS/HELP repayments based on your Repayment Income (1% to 10% tiers) and estimate annual inflation indexation impacts.
Estimate your 2% Medicare Levy, low-income threshold phase-in relief, and Medicare Levy Surcharge (MLS 1% to 1.5%) if you do not have private hospital cover.