Negative Gearing Calculator

Calculate your tax refund, weekly out-of-pocket cost, and see how marginal tax rate changes the equation.

Your Income

$

Your marginal tax rate: 37.0%

Rental Income

$

Total rent received per year (after vacancy)

Cash Expenses

$
$
$
$
$

Travel, repairs, etc.

Non-Cash Deductions

$

From your quantity surveyor report

Results

Annual Tax Refund

$10,138

At 37.0% marginal rate

Weekly Out-of-Pocket Cost

$63/wk

Net cost after tax refund

Taxable Income Reduction

$27,400

Offset against your salary

Cash Flow Breakdown

Gross Rent+$36,400
Cash Expenses-$49,800
Cash Loss$-13,400
+ Depreciation-$14,000
Tax Loss$-27,400
Tax Refund+$10,138
Net Cash Cost$3,262/yr

Tax Refund by Bracket

$18k–$45k19%$5,206
$45k–$120k32.5%$8,905
$120k–$180k37%$10,138
$180k+45%$12,330

Important Disclaimer

This calculator provides estimates for illustrative purposes only. It does not constitute financial, tax, or investment advice. Results depend on assumptions that may not reflect your actual situation. Always consult a qualified professional — such as a CPA, mortgage broker, or financial adviser — before making financial decisions. Ding Group provides integrated advisory through Local Knowledge (CPA), Ding Financial (Mortgage Brokerage), and Ding Real Estate (Licensed Agency).

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