Annual Tax Saving
A$NaN
Annual Rental Loss
A$NaN
Net After-Tax Cost
A$NaN
Effective After-Tax Loss Rate
0.00%
Negative Gearing कैलकुलेटर — Annual Rental Income A$28,600
With annual rental income of A$28,600, the annual कर saving is A$3,478.
Rates, insurance, repairs, management fees, depreciation
32.5%, 37%, or 45%
Annual Rental Loss
AUD9,400
Annual Tax Saving
AUD3,478
Net After-Tax Cost
AUD5,922
Effective After-Tax Loss Rate
15.58%
Negative gearing allows investors to deduct a rental property loss from their taxable income. Tax savings are realised at year end via tax return. Future policy changes may affect deductibility.
What is the Negative Gearing Calculator?
Negative gearing occurs when a property's rental income is less than its total deductible expenses (interest, rates, insurance, depreciation, management fees). The loss is deducted against your other taxable income, reducing your tax bill at your marginal rate.
Formula
Rental Loss = Total Costs − Rental Income. Tax Saving = Rental Loss × Marginal Rate. Net Cost = Rental Loss − Tax Saving.- C
- = Total deductible costs
- R
- = Rental income
- r_m
- = Marginal tax rate
How to use the Negative Gearing Calculator
- 1
Step 1
Enter your annual rental income.
- 2
Step 2
Enter annual loan interest payments.
- 3
Step 3
Enter other annual costs (rates, insurance, management).
- 4
Step 4
Enter your marginal tax rate.
- 5
Step 5
View annual tax saving and after-tax loss.
Reviewed by
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Frequently asked questions
Is negative gearing still available in Australia in 2025?
Yes. Negative gearing remains available for individuals on investment properties. There have been policy discussions about reforms but no changes have been enacted as of 2025.
What costs are deductible for rental properties?
Deductible costs include loan interest, council rates, water rates, insurance, property management fees, repairs, depreciation (building and assets), and accounting fees.
Sources
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