Australian Property Investment Estimator — Negative Gearing, Stamp Duty & Land Tax

Property Details

First Home Buyer

State / Territory

Purchase Price ($)

$

Land Value ($)

$

Contract / purchase date

Use the contract signing date, not the settlement date

Property type

Loan

Repayment Type

Interest-only basis. Principal repayments are not tax-deductible.

Loan Amount ($)

$

Interest Rate (%)

%

Rental Income

Weekly Rent ($)

$

Vacancy (wks/yr)

wks

Management Fee (%)

%

Annual Expenses

Council Rates

$

Insurance

$

Maintenance

$

Depreciation ($)

$

Tax Rate

Marginal tax rate

Based on 2025-26 ATO rates (Stage 3 cuts)

Weekly Cost

—

after-tax

Tax Benefit

—

annual saving

Rental Yield

—

gross

Break-even

—

estimated year

Expense Breakdown

Annual deductible expenses

Annual Cash Flow

Income vs. costs vs. benefit

10-Year Cash Position Projection

Assuming 3% annual rent growth

Stamp Duty

Select a state to calculate

Land Tax

Select a state to calculate