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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