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Negative Gearing Calculator — 2026 Budget Changes

See your real annual cost under current rules vs the new 2026 rules where losses on established properties can no longer offset your salary.

Estimate only. Uses 2026–27 tax rates and Medicare levy. Does not include depreciation, borrowing costs, or land tax. Consult a registered tax agent for your specific situation.

Your investment property details

Property type

🏘️ Established propertyBuilt before your purchase🏗️ New buildNewly constructed — exempt from new rules

Investment loan amount (AUD)

Annual interest rate (%)

Annual rental income (AUD)

Property management fees (AUD/year)

Council rates (AUD/year)

Landlord insurance (AUD/year)

Maintenance & repairs (AUD/year)

Other expenses (AUD/year)

Your annual salary / taxable income (AUD)

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These are estimates. Your depreciation entitlements, borrowing costs, and land tax position all affect the real numbers.

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