Negative Gearing Cashflow Calculator

See how the 2026 budget changes affect your weekly cash flow. Enter your property details to compare your position under the old rules versus the new rules starting July 2027.

⚠ Budget cut-off: 7:30pm AEST 12 May 2026. New builds and properties owned before this date retain full negative gearing.
Property & Loan
$
$
$520,000
80%
%
yrs
-
Rental Income
$
wks/yr
Weeks per year without a tenant
Annual Expenses
% rent
$
$
$
$
$
$
Your Income (for tax calculation)
$
34.5%
Auto-calculated from your salary

Cash Flow Analysis

Updated as you type

Your Marginal Tax Rate 34.5%
Annual Income & Expenses
Gross rental income$0
Less vacancy allowance($0)
Net rental income$0
Loan interest (deductible)($0)
Property management($0)
Council & water rates($0)
Insurance($0)
Maintenance($0)
Body corporate($0)
Other expenses($0)
Total expenses($0)
Net rental position$0
After-Tax Cash Flow Comparison

Old Rules

Tax benefit$0
Annual$0
Weekly$0

New Rules

Tax benefit$0
Annual$0
Weekly$0
Cost of New Rules (Annual Impact)
Extra cost per year
$0
Less in your pocket annually
Extra cost per week
$0
Less in your pocket weekly

For general information only. Not financial advice. Consult your accountant before making investment decisions. Tax rates shown are 2026-27 rates including 2% Medicare levy.

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