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.

AustráliaNegative Gearing & Tax Offset (ATO Property)Finanças

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).

Imóveis e Mercado Imobiliário Investimento e Ativos Impostos e Taxas

Dados de Entrada

Em tempo real

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

AUD $

Seleção rápida:

Annual Investment Mortgage Interest (AUD $)

AUD $

Seleção rápida:

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

AUD $

Seleção rápida:

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

16 %47 %

Resultado CalculadoNegative 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 $

Detalhamento do Cálculo

Rental Income

31,200 AUD $

Total Expenses

44,500 AUD $

Tax Refund Generated

5,187 AUD $

Weekly Net Cost

156.02 AUD $

Metodologia de Cálculo

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.

Aviso Legal e Educacional

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

Esta calculadora destina-se a fins educacionais e informativos. Os resultados não constituem consultoria financeira ou jurídica vinculativa.

Perguntas Frequentes

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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Austrália

Australia Investment Property Negative Gearing & Tax Refund Calculator

Dados de Entrada

Detalhamento do Cálculo

Metodologia de Cálculo

Aviso Legal e Educacional

Perguntas Frequentes

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