See exactly how the 2026 budget changes affect your weekly cash flow. Enter your property details to compare your position under the old rules versus the new rules starting July 2027.
⚠ Budget cut-off: 7:30pm AEST 12 May 2026. New builds and properties owned before this date retain full negative gearing.
Property Details
Property & Loan
$
$
$520,000
80%
%
yrs
-
Rental Income
$
wks/yr
Weeks per year without a tenant
Annual Expenses
% rent
$
$
$
$
$
$
Your Income (for tax calculation)
$
34.5%
Auto-calculated from your salary
Cash Flow Analysis
Updated as you type
Your Marginal Tax Rate34.5%
Annual Income & Expenses
Gross rental income$0
Less vacancy allowance($0)
Net rental income$0
Loan interest (deductible)($0)
Principal repayment($0)
Property management($0)
Council & water rates($0)
Insurance($0)
Maintenance($0)
Body corporate($0)
Other expenses($0)
Total expenses($0)
Net rental position$0
This property is positively geared - rental income exceeds expenses. The negative gearing changes do not affect you. Both old and new rules produce the same result: the rental profit is added to your taxable income.
After-Tax Cash Flow Comparison
Old Rules
Tax benefit$0
Annual$0
Weekly$0
New Rules
Tax benefit$0
Annual$0
Weekly$0
Cost of New Rules (Annual Impact)
Extra cost per year
$0
Less in your pocket annually
Extra cost per week
$0
Less in your pocket weekly
For general information only. Not financial advice. Consult your accountant before making investment decisions. Tax rates shown are 2026-27 rates including 2% Medicare levy.