See the after-tax weekly position on any property — including depreciation, interest, and your marginal tax rate.
Important: Property investment carries risk — values may rise or fall. Past performance is not a reliable indicator of future performance. Rental yields, depreciation schedules, and ownership costs vary materially by location and property type. Personal advice required for any property investment decision.
A 4% gross yield property at -$200/week pre-tax can become -$80/week after-tax when 40% marginal rate is applied to losses. The cash you need to fund each week is the after-tax number, not the gross.
Negative gearing means your investment expenses (interest + depreciation + ownership costs) exceed your rental income. The net loss reduces your taxable income, lowering your tax bill — the ATO effectively shares your loss at your marginal rate.
Depreciation on the building (capital works at 2.5% per year for 40 years) is generally claimable on properties built after 1987. Plant and equipment depreciation is restricted on second-hand properties bought after May 2017. A QS report is required.
Land tax varies significantly by state. NSW levies it on investment property above thresholds. Queensland and Victoria have different rules. The calculator includes a representative estimate but actual land tax should be confirmed for the specific property.
Interest-only loans have lower repayments and higher tax-deductible interest. The trade-off: no principal reduction. Most doctors structure investment loans as interest-only while maintaining offset accounts for flexibility.
The calculator gives an indicative answer. A 15-minute consultation gives you specific guidance for your facts. Free, no obligation.
General Advice Warning. The information and calculator output on this page is general information only and does not take into account your personal objectives, financial situation, or needs. Calculator outputs are illustrative and based on stated assumptions. Actual outcomes vary materially. Before making any financial, tax, credit, or property decision, seek personal advice from a qualified adviser. Tax law and lender criteria change. Past performance is not a reliable indicator of future performance.