Negative Gearing Calculator built for Australian accountants
Show property investors their real after-tax weekly holding cost. Capture qualified investor leads with a branded, embeddable calculator that uses current ATO tax brackets.
Apartment — $480/wk rent — negatively geared3 min ago
New
DC
David Chen-$218/wk
House — $550/wk rent — joint ownership1 hr ago
PS
Priya Sharma+$61/wk
Unit — $380/wk rent — positive gearing4 hrs ago
Showing 3 of 31Open dashboard
No credit card required
2025-26 ATO brackets built in
Privacy-first lead capture
Built for Australian accountants
60-second setup
Try the calculator
See your after-tax weekly holding cost
Enter your rental income, loan interest, expenses and tax bracket. The calculator shows your real weekly cost or gain after ATO tax benefits.
yourbusiness.com.au/negative-gearing-calculator
Step 1 of 5 — Rental income
1Rental income
2Annual costs
3Tax details
4Ownership
5Your Details
Rental income
Weekly rent and expected vacancy
$AUD
Your estimate
Annual Rental Income
$25,000
Net Rental Income (tax)
$0
Pre-Tax Cash Flow
$0
Tax Benefit
$0
Tax Payable
$0
Total$0
Price range: $0 – $0
Estimate valid for 30 days
This is a price indication only. Our team will be in touch to confirm the final price after assessing the job.
*This is an estimate only and not tax or financial advice. A registered accountant will confirm your actual position.
Step 1 of 5 — Rental income
1Rental income
2Annual costs
3Tax details
4Ownership
5Your Details
Rental income
Weekly rent and expected vacancy
$AUD
Negative Gearing Calculator · powered by LeadkitPowered by Leadkit
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Calculator Negative Gearing Calculator
Status New
Est. value $4,200
View Lead Details
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Every calculator submission triggers branded emails — an instant estimate for your customer and a detailed lead notification for you.
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Lead Alert — New lead notification sent to your inbox
Updated Estimate — Revised estimate sent when you update pricing
Expiry Notice — Reminder sent when an estimate is about to expire
All prices in AUD · GST inclusive · Cancel any time, no calls or forms
Common questions
What others asks before signing up?
What is negative gearing?
Negative gearing occurs when the costs of owning an investment property (loan interest, expenses, depreciation) exceed the rental income. The resulting loss can be offset against your other taxable income, reducing your overall tax bill. This calculator gives you an instant estimate of that tax position — your accountant confirms the final figures after reviewing your circumstances.
How much does negative gearing save in tax?
The tax saving depends on your marginal tax rate and the size of the rental loss. For example, an investor on a $90,000 salary with a $16,750 rental loss (including depreciation) could save approximately $5,780 per year in tax at the 34.5% marginal rate (including Medicare levy). This is an estimate only and not tax or financial advice.
What is the difference between negative and positive gearing?
A negatively geared property costs more to hold than it earns in rent — the investor relies on capital growth and tax benefits. A positively geared property earns more in rent than it costs, generating immediate cash flow but attracting additional tax. This calculator shows both scenarios depending on your inputs.
How accurate is this calculator?
It uses the current 2025-26 ATO marginal tax brackets and Medicare levy rate, so the tax calculation is accurate for the figures you enter. However, individual tax circumstances vary — deductions, offsets, HECS-HELP and private health insurance can all affect your actual marginal rate. A registered accountant will confirm your actual position.
Can I add this calculator to my WordPress, Webflow, Squarespace, Wix or Shopify site?
Yes — embed it on any website with a single code snippet. The calculator inherits your branding, logo and contact details. If you do not have a website, Leadkit generates a free hosted page you can share directly.
What do I get when an investor fills out the calculator?
You receive an email notification with the investor's name, phone, email, suburb and the full gearing inputs — rent, interest, expenses, depreciation and taxable income. A branded PDF estimate is attached. Every lead is scored so you can prioritise callbacks.
Do I need my own website to use this?
No. Leadkit generates a free hosted page for every calculator you create. Share the link on social media, in email signatures or in investor newsletters. You can also embed the calculator on your own site when you are ready.
Is Leadkit really free?
Yes. Free lets you add up to 3 calculators to your website and receive 10 leads per month — no credit card. Every lead beyond the cap is still captured and held for you; upgrading to Pro ($29/mo) opens them all retroactively and removes the cap.
Do I need to know how to code?
No. You get an embed code (one line of HTML). Paste it into your website builder — Wix, Squarespace, WordPress, or any custom site. That's it.
How accurate are the price estimates?
You configure the calculator formulas to match your actual pricing. Leadkit provides the framework; you set the numbers. Estimates can be as detailed or as rough as you like.
What happens with lead data?
All lead data is stored securely in your workspace. You own it. We never sell or share your leads with anyone.
Can I use Leadkit as an agency for multiple clients?
Yes — our Agency plan lets you create and manage separate workspaces for each of your clients, all from one dashboard.
What's the difference between the plans?
Free: up to 3 calculators, 10 leads/month (over-cap leads held + locked until upgrade). Pro: unlimited leads, unlimited calculators, white-label, branded email sending, analytics, email templates. Agency: everything in Pro plus multi-workspace management.
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Investors searching 'negative gearing calculator' are actively researching purchases. Be the accountant whose calculator they find first.
The section below is for homeowners researching negative gearing costs. We break down how prices are calculated, show current Australian averages, and answer the questions we hear most. Every number reflects real 2026 rates from Australian tradies — not marketing fluff.
Based on AU market ratesGST includedUpdated for 2026
For property investors
See the real weekly cost of holding
Get an instant estimate of your after-tax weekly position for any Australian investment property. Enter your rent, loan interest and expenses — see the result in seconds. Your accountant confirms the final figures.
After-tax weekly cost or gain in seconds
2025-26 ATO marginal rates and Medicare levy built in
Depreciation tax benefit calculated automatically
Free to use — no sign-up required
For accountants and buyers agents
Stop building spreadsheets for every investor enquiry
Let investors self-qualify with real gearing data. Capture their income, loan details and tax bracket — then follow up with the clients worth your time.
Your rates, your branding, your practice details on every PDF
Lead score helps prioritise callbacks
Free for up to 5 calculators — upgrade for unlimited
Works on WordPress, Webflow, Squarespace, Wix and Shopify
How it works
How this negative gearing calculator is calculated
This calculator produces an estimate of the after-tax weekly cost or gain of holding an investment property. It is not tax or financial advice — your accountant will confirm the final figures after reviewing your circumstances.
GST handling: Residential rental income is input-taxed for GST purposes. Landlords do not charge GST on rent and cannot claim GST credits on most rental expenses. This calculator does not include GST.
1
Annual rental income
Weekly rent multiplied by occupied weeks (52 minus vacancy weeks). This gives the gross rental income before deductions.
weekly_rent × (52 − vacancy_weeks)
2
Net rental income
Annual rent minus all deductible costs: loan interest, property expenses (rates, insurance, management, maintenance) and depreciation (Division 40 plant and Division 43 capital works). If negative, the property is negatively geared.
3
Marginal tax rate
Your marginal rate is determined by your taxable income using the 2025-26 ATO brackets (0%, 19%, 32.5%, 37%, 45%) plus the 2% Medicare levy. Joint ownership splits the rental position equally between two owners.
4
Tax benefit or liability
If negatively geared, the rental loss multiplied by your marginal rate gives the tax benefit (refund via your tax return). If positively geared, the rental gain multiplied by your marginal rate gives the additional tax payable.
5
After-tax weekly position
Pre-tax cash flow (rent minus interest minus expenses, excluding non-cash depreciation) plus any tax benefit, minus any tax payable, divided by 52. This is the real weekly cost or gain of holding the property.
Typical negative gearing positions across Australia 2025-26
After-tax holding costs vary significantly depending on loan size, rental yield, depreciation and your marginal tax rate. These scenarios use 2025-26 ATO brackets and a 2% Medicare levy.
Average costs by job type across Australia, 2025-26
Job type
Low
Average
High
Unit
Apartment, $450k loan, $85k income
-$12,750/yr
$5,780/yr
-$134/wk
Negatively geared
House, $650k loan, $120k income
-$25,750/yr
$11,130/yr
-$281/wk
Negatively geared
Regional unit, $300k loan, $75k income
-$6,000/yr
$3,105/yr
-$56/wk
Negatively geared
Low gearing, $200k loan, $95k income
+$3,500/yr
$0
+$61/wk
Positively geared
Source: ATO individual tax rates, ATO rental deductions guide
Sydney and Melbourne properties typically have lower yields and higher holding costs, making negative gearing more pronounced. Regional and northern capital properties may approach neutral or positive gearing at lower loan amounts.
