Calculator
Negative gearing & tax benefit
See how a rental loss reduces your tax using 2024-25 Australian tax rates.
Your situation
$
Salary before this property
$
$
Interest portion only
$
Rates, insurance, mgmt, repairs
$
Capital works + plant
Your marginal tax rate is 30% (plus 2% Medicare levy). Each dollar of rental loss reduces your tax by roughly this much.
Estimated tax saving
$4,736/yr
$91 per week back at tax time
How it works
Annual rent$31,200
Less deductions−$46,000
Rental loss−$14,800
Cash loss before tax−$8,800
After-tax position−$4,064
Indicative only, using 2024-25 resident rates. Depreciation reduces tax but isn't a cash cost. Not tax advice — consult a registered tax agent.