See exactly how the July 2027 rule changes affect your investment property tax position
Interest portion only, not repayments
Based on legislated 2026-27 Australian income tax rates
* Add 2% Medicare Levy to your effective rate for a more precise calculation. e.g. 30% bracket = 32% effective rate.
Depreciation estimated at 2.5% of property value (Div 43 — for buildings built after September 1987. Older properties may vary.)
Before 1 July 2027
Annual tax saving: $11,025
Out-of-pocket after tax: $4,475/yr
After 1 July 2027
Annual tax saving: $0 (losses quarantined)
Cash out-of-pocket: $15,500/yr
* Depreciation ($21,250) is a non-cash deduction and not included in cash out-of-pocket
Annual impact from 2027
$11,025 worse off/yr
Estimates only. Tax rules are subject to change and have not been legislated. Consult a registered tax agent.
Scan your bills, track depreciation and get your EOFY report ready for your accountant in July.
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