Australian Budget Calculators
The 2026–27 budget rewrites the rules on negative gearing, CGT, and personal income tax. These four calculators help you visualise the budget in your own numbers, so you can see exactly how each measure flows through to your cash flow.
Step 1
Pick your calculator
Click any card to load that calculator below.
Calculator
New build vs. established
First-year cash flow under quarantined vs. retained losses.
Your property
Punch in the numbers. We default loan to 80% LVR and expenses to 1.5% of purchase price.
Your first-year out-of-pocket holding cost
New build · negative gearing retained
- Cash loss before tax
- $13,450
- Tax refund this year
- +$5,246
- Net out-of-pocket
- $8,205
Established property · losses quarantined
- Cash loss before tax
- $13,450
- Tax refund this year
- $0
- Loss carried forward
- $13,450
Going new-build improves first-year cash flow by $5,246.
These calculators are educational, not financial advice. Outputs are illustrative estimates based on announced budget settings; final legislation, transitional rules, and your personal circumstances will affect actual outcomes. Confirm with a qualified accountant before making decisions.
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