What is negative gearing?

Negative gearing is when deductible property expenses exceed rental income, which may reduce taxable income.

Does negative gearing guarantee a refund?

Not always. Refund impact depends on your taxable income, deductible expenses, and applicable tax settings.

Should I include depreciation in calculations?

Yes. Depreciation can materially affect estimated taxable position and after-tax cashflow.

负扣税估算器

估算投资房产的负扣税退税金额，了解税后真实持有成本。

💼个人收入

年薪 (税前)$95,000

🏠投资房产

房产价格$650,000

首付款$130,000

贷款利率6.2%

💵租金收入

周租金$520

物业管理费7%

📋持有成本

市政费 (年)$2,200

保险 (年)$1,800

维修维护 (年)$2,000

水费 (年)$1,200

折旧 (年)$8,000

其他费用 (年)$500

📊 税额对比

✅ 负扣税

$22,793

年净亏损（可抵税）

💰 ATO 退税

$6,838

年退税金额

📅 每周实际成本

-$307

税后每周现金流

📋 年度收支明细

租金收入

+$27,040

贷款利息

-$32,240

管理费

-$1,893

市政费

-$2,200

保险

-$1,800

折旧

-$8,000

其他

-$3,700

+ ATO 退税+$6,838

年度净现金流$-15,955

📄

下载完整退税分析报告

包含折旧明细表、5 年预测

🤝

找投资专家 Broker

擅长负扣税和投资策略

📌 负扣税要点

• 负扣税 ≠ 亏钱，是税务策略
• 房产折旧是最大抵扣来源
• 管理费和利息可全额抵扣
• 需委托专业估价师出折旧表
• 自住转投资可能影响 CGT

📊 2024-25 税率表

$0 - $18,2000%

$18,201 - $45,00016%

$45,001 - $135,00030%

$135,001 - $190,00037%

$190,001 - ∞45%

Negative Gearing Calculator Australia (2026)

Last updated: February 20, 2026

This tool estimates investment property tax impact by combining rental income, interest, operating costs, depreciation, and salary-based tax brackets.

What this estimate includes

Indicative tax before and after rental property impact
Estimated annual and weekly after-tax cashflow
Expense and deduction breakdown to show key cost drivers

Sources

ATO tax-rate and property guidance references
Public lender and property-cost benchmark references