What expenses can an Australian property investor deduct?

Mortgage interest, council rates, water charges, strata fees, landlord insurance, property management fees, repairs, and building depreciation (Div 40/43).

What is non-cash depreciation on an investment property?

Depreciation on the building structure (2.5%/yr over 40 yrs) and plant/equipment items can be deducted without any out-of-pocket cash expense.

AustralieNegative Gearing & Tax Offset (ATO Property)Finance

Australia Investment Property Negative Gearing & Tax Refund Calculator

Calculate your net rental cash flow and Australian tax savings from negative gearing (offsetting rental property net tax losses including mortgage interest, property management, council rates, and non-cash building depreciation against your salary income).

Immobilier et Propriétés Investissement et Actifs Impôts et Taxes

Données du Simulateur

En temps réel

Annual Gross Rental Income ($600/wk = $31,200) (AUD $)

AUD $

Sélection rapide :

Annual Investment Mortgage Interest (AUD $)

AUD $

Sélection rapide :

Operating Costs (Rates, Insurance, Repairs) + Depreciation (AUD $)

AUD $

Sélection rapide :

Your Marginal Income Tax Rate + Medicare Levy (%)39 %

16 %47 %

Résultat CalculéNegative Gearing & Tax Offset (ATO Property)

Annual ATO Tax Refund Generated via Negative Gearing

5,187AUD $

Net Out-of-Pocket Cost to Hold Property ($/week after Tax Refund)

156.02 AUD $

Net Taxable Rental Loss Deducted from Salary

-13,300 AUD $

Détail du Calcul

Rental Income

31,200 AUD $

Total Expenses

44,500 AUD $

Tax Refund Generated

5,187 AUD $

Weekly Net Cost

156.02 AUD $

Méthodologie de Calcul

Net Rental Income/Loss = Gross Rent - (Mortgage Interest + Property Operating Costs + Depreciation). Tax Benefit Saved = abs(Rental Loss) * Marginal Tax Rate%. Net Out-of-Pocket Cash Cost = Rental Cash Loss - Tax Refund.

Avertissement Légal et Pédagogique

Under Australian tax law, individual property investors can deduct 100% of net residential rental losses directly against regular employment or business income.

Ce simulateur est conçu à des fins éducatives et informatives. Les résultats ne constituent pas un conseil financier, fiscal ou juridique contraignant.

Foire Aux Questions

If rental property deductible expenses exceed rental income, the net loss is deducted directly from your salary, generating a substantial tax refund from the ATO.

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Australie

Australia Investment Property Negative Gearing & Tax Refund Calculator

Données du Simulateur

Détail du Calcul

Méthodologie de Calcul

Avertissement Légal et Pédagogique

Foire Aux Questions

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