Resources · Negative gearing

Negative gearing impact calculator

Quick read on the tax refund from a negatively geared property and the real cost after tax. For the full cash flow picture, use the rental cash flow calculator.

The numbers

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Property loss = rent received less interest, expenses and depreciation. A loss-making property reduces your taxable income.

Tax saving from negative gearing

$0
approximate tax refund
Original taxable income$0
Tax before negative gearing$0
New taxable income$0
Tax with negative gearing$0
Real cost after tax
Property loss (pre-tax)$0
Less: tax refund$0
Real cost per year$0
Real cost per week$0
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Estimates only. Negative gearing reduces your taxable income; this calculator estimates the tax saving at your marginal rate using FY26 resident rates and 2% Medicare. Tax planning that ignores the impact on borrowing capacity often leaves money on the table: the right strategy considers both.

Negative gearing should be deliberate, not accidental.

We model the tax position alongside the borrowing impact. Sometimes the right answer is more leverage; sometimes it's less. Either way, the call should be intentional.

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