Links Property Finance · Free calculator from a Sydney mortgage broker: Negative Gearing Calculator

Add up the rent for the year, subtract interest, costs and depreciation, and if the result is a loss, it reduces your taxable income. The tax saved is the difference in tax with and without that loss.

It depends on the loss and your tax rate. On a $14,200 tax loss and a $120,000 income, the saving is about $4,544 a year at 2026-27 rates.

Yes for properties held before 7:30pm AEST on 12 May 2026 and for new builds. Established homes bought after that can be negatively geared only until 30 June 2027.

Yes. Depreciation increases the tax loss and the tax saving, but it is not a cash cost, so it is left out of the cash result.

No. It shows the yearly holding cost. The capital gains rules also change from 1 July 2027; see the capital gains tax changes.

Yes. Rent, costs and the loss are split by ownership share, so run it once for each owner with their share of the figures at their own tax rate, then add the two results.

Run it once for each property and add the results. Under the rules from 1 July 2027, losses on an established home bought after 12 May 2026 can still offset rent and gains from your other residential properties.