Recent Federal Budget announcements and proposed changes to negative gearing and capital gains tax rules have increased interest in understanding how different tax settings may affect property investment outcomes. This calculator has been developed to help investors model and compare potential scenarios under both current and proposed tax treatments based on the latest available policy information.

As government policies and tax legislation can change over time, the calculator should be used as an educational and indicative tool only. Investors should seek personalised advice from qualified tax and finance professionals before making financial decisions.

Buying an investment property is not only about the purchase price and rental income. Tax treatment, loan costs, property expenses, capital growth and selling costs can all affect your final return. The Negative Gearing and CGT Impact Calculator helps property investors estimate how these factors may affect their after-tax result.

This calculator lets you compare the possible impact of negative gearing and capital gains tax under different settings. You can enter details such as purchase price, rental yield, loan-to-value ratio, interest rate, ongoing property costs, stamp duty, selling costs, property growth and the number of years you plan to hold the property. The calculator then shows how these numbers may affect yearly cash flow and the final outcome when the property is sold.

With this tool, investors can get a clearer view of estimated rental income, interest costs, other expenses, cash flow loss, tax savings, capital gains tax impact and the difference between the current and proposed tax treatment. It is designed to give you a practical starting point before making property investment decisions.

The results are based on the figures you enter and general assumptions. They should be used as a guide only, not as tax or financial advice. For advice based on your personal situation, it is always best to speak with a qualified tax adviser and a mortgage broker.