Negative Gearing Calculator
Calculate your negative gearing tax benefit on an investment property. See rental income vs deductions, tax savings at your marginal rate, and after-tax holding cost.
Last verified: 1 July 2025How much tax does negative gearing save in Australia?
Negative gearing occurs when property expenses (loan interest, rates, insurance, maintenance, depreciation) exceed rental income. The loss offsets your other taxable income, so your saving is rental loss × marginal tax rate. At 30% MTR, $10k loss saves $3,000; at 37% saves $3,700; at 45% saves $4,500. Negative gearing remains fully available in 2026. Source: Australian Taxation Office.
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
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