Properties
Tip: Copy a property to test different scenarios.
Name ?
Purchase Price ?
Rent/wk ?
Deposit ?
Type ?
Term ?
State ?
Rate ?
Mgmt ?
Growth/yr ?
Age / type ?
$
$
%
yr
%
%
%
Cash Up Front
Property 1
Total
-
Deposit
-
Stamp Duty ?
-
Conveyancing ?
-
Building & Pest
-
Loan Establishment
-
Property Highlights
Property 1
Weekly cost to hold ?
-
Cash flow positive from ?
-
Usable equity at 5 years ?
-
Break-even ?
-
Year-by-year Snapshot
Property 1
Annual Income (Rent)
-
-
Loan Payment
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Property Management
-
Insurance ?
-
Council Rates
-
Vacancy Allowance ?
-
Maintenance Allowance ?
-
Net Annual Cash Flow
-
Marginal Tax Rate
Annual Rental Income
-
Loan Interest
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Property Management
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Insurance
-
Council Rates
-
Maintenance
-
Depreciation (est.)
-
Total Deductibles
-
Net Rental Position ?
-
If deductible expenses exceed rental income, the loss can offset your taxable income (negative gearing) until 1 July 2027, after which those losses are quarantined against the property — absorbed by its later rental profits, then applied to your capital gain at sale (new builds keep full negative gearing). The tax benefit is estimated using your selected marginal tax rate. Depreciation is estimated at 2.5% (new build or established under 10y), 1.25% (10-20y), or 0.75% (20y+) of 75% of the property value. Consult a quantity surveyor for an accurate depreciation schedule.
Note: potential tax benefit is not included in Annual Cash Flow as it depends heavily on your individual tax situation.
Note: potential tax benefit is not included in Annual Cash Flow as it depends heavily on your individual tax situation.
Projections
Property 1
Estimated value at 30 June 2027: - ?
Cash Out Position
-
Total Profit
-
Annual Cash Return
-
The same cash in over the same period would have returned about a year after tax, with none of the holding costs, tenants, or time. Your property returned .
| The same sale, two rulebooks | Old rules | New rules |
|---|---|---|
| Capital gains tax at sale | - | - |
| tax on gain to 30 Jun 2027 | — | - |
| tax on gain after 30 Jun 2027 (indexed) | — | - |
| Negative-gearing refunds along the way | - | - |
| Tax on rental profits along the way | - | - |
| Total tax | - | - |
Principal Paid Down
-
Remaining Loan
-
Equity
-
Usable Equity ?
-
Est. Weekly Rent ?
-
Sale Price
-
Sales Costs ?
-
Remaining Loan Payout
-
Net Proceeds Before Tax
-
Capital Gains Tax ?
-
Quarantined Losses ?
-
Cash Out Position
-
Total Cash Invested ?
-
Cumulative Cash Flow ?
-
Total Profit
-
Annual Cash Return ?
-
Cash Out Position
-
Total Profit
-
Annual Cash Return
-
The same cash in over the same period would have returned about a year after tax, with none of the holding costs, tenants, or time. Your property returned .
| The same sale, two rulebooks | Old rules | New rules |
|---|---|---|
| Capital gains tax at sale | - | - |
| tax on gain to 30 Jun 2027 | — | - |
| tax on gain after 30 Jun 2027 (indexed) | — | - |
| Negative-gearing refunds along the way | - | - |
| Tax on rental profits along the way | - | - |
| Total tax | - | - |
Principal Paid Down
-
Remaining Loan
-
Equity
-
Usable Equity ?
-
Est. Weekly Rent ?
-
Sale Price
-
Sales Costs ?
-
Remaining Loan Payout
-
Net Proceeds Before Tax
-
Capital Gains Tax ?
-
Quarantined Losses ?
-
Cash Out Position
-
Total Cash Invested ?
-
Cumulative Cash Flow ?
-
Total Profit
-
Annual Cash Return ?
-
Cash Out Position
-
Total Profit
-
Annual Cash Return
-
At the a year growth you assumed, your cash — the difference is leverage (~ here). ?.
The same cash in over the same period would have returned about a year after tax, with none of the holding costs, tenants, or time. Your property returned .
| The same sale, two rulebooks | Old rules | New rules |
|---|---|---|
| Capital gains tax at sale | - | - |
| tax on gain to 30 Jun 2027 | — | - |
| tax on gain after 30 Jun 2027 (indexed) | — | - |
| Negative-gearing refunds along the way | - | - |
| Tax on rental profits along the way | - | - |
| Total tax | - | - |
Principal Paid Down
-
Remaining Loan
-
Equity
-
Usable Equity ?
-
Est. Weekly Rent ?
-
Sale Price
-
Sales Costs ?
-
Remaining Loan Payout
-
Net Proceeds Before Tax
-
Capital Gains Tax ?
-
Quarantined Losses ?
-
Cash Out Position
-
Total Cash Invested ?
-
Cumulative Cash Flow ?
-
Total Profit
-
Annual Cash Return ?
-
This tool provides general information only and does not constitute financial advice. You should consider your own circumstances and seek professional advice.
Your property figures are leveraged (~ here); the benchmark is not. The same 2027 CGT changes apply to shares too — reflected here. returns are historical figures as at , before tax — not a forecast.
Total Profit Over Time
Shows how your total profit may grow over time, factoring in capital growth, cash flow, and loan repayments.