🏠 Property & Investment

Negative Gearing Calculator

When your investment property expenses exceed the rental income, you can claim the loss against your salary to reduce your tax. This is called negative gearing. Enter your property details below to see your tax saving and the real cost of holding the property each week. General information only, not tax advice.

Your Details

Salary

Weekly Rent

Vacancy Weeks per Year

Financial Year

Property Expenses (annual)

Loan Interest

Council Rates

Management Fees

Insurance

Repairs & Maintenance

Depreciation

Other Expenses

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See your gearing tax savings instantly

Enter your salary, rent and expenses on the left — tax saving and holding cost appear here.

Common questions

What does negative gearing mean?

Negative gearing means an investment property makes a taxable loss because deductible costs exceed rental income. That loss may reduce your taxable income.

Does the tax saving make the property profitable?

Not necessarily. The tax benefit reduces the cash loss, but the property can still cost money each week after tax.