LandlordGauge

Negative gearing calculator

Estimate rental losses, income tax savings and weekly cost in Australia. Compare current treatment with the rules from July 2027.

Your rental income and costs

Income and deductions

Annual taxable salary before income tax, after employment deductions.

Rent before expenses, multiplied by 52.

Annual deductible borrowing interest, not principal repayments.

Annual allowable cash expenses, excluding interest and depreciation.

Eligible annual non-cash deduction from your records.

Purchase and comparison

The cutoff is 7:30pm AEST on 12 May 2026.

Property type

New-build treatment is conditional on the tax definition. Confirm eligibility with a tax adviser.

Announced rules from 1 July 2027

The core reform announced in May 2026 is now enacted. Further eligibility details remain under review.

The loss and its tax effect

Example result

Your estimated rental loss is $10,800, with $3,240 of income tax saving under 2026/27 rules and a weekly cost of $49.23 under current rules.

Rental loss

Annual deductible loss
$10,800
Tax saving now, 2026/27
$3,240

Future comparison

Tax saving under the 2027/28 rules
Switch on the comparison

After income tax

Weekly cost (2026/27)
$49.23

Example: illustrative $100,000 salary.

Rates as of