After-Tax Yield Calculator
See the real return after interest, expenses, depreciation, and your tax position under current and post-reform rules.
This property is grandfathered — acquired before the Budget cut-off of 7:30 pm AEST, 12 May 2026. Full negative gearing continues for the life of your ownership. Important: grandfathering is not transferable — if you sell, the buyer will be under the new regime.
Property Acquisition
Contract date determines your tax regime
Off-the-plan, greenfield, or net-increase rebuild
Property Details
Loan Structure
Ongoing Costs
Tax Position
Effective rate: 39% (incl. Medicare)
2.5% of building cost for post-Sep 1987
Only new plant for post-May 2017 purchases
Results
Gross Yield
4.33%
Before any costs or tax
After-Tax Cash Flow
$-4,107/yr
Negatively geared — tax refund included
After-Tax Return on Equity
-2.74%
On your $150,000 deposit
Annual Tax Refund
$11,768
At 39% effective rate (incl. Medicare)
Annual Breakdown
CGT on Disposal
Transitional CGT applies: the 50% discount covers gains accrued up to 30 June 2027. Gains after that date use cost-base CPI indexation with a 30% minimum tax rate on real gains.
Go deeper
See this property modelled both ways, side by side
Weekly cost, carried-forward losses, CGT on sale and the resale repricing risk under the grandfathered regime against the post-reform regime. Free position report.
Important Disclaimer
This calculator provides estimates for illustrative purposes only and does not constitute financial, tax, or investment advice. The grandfathering and regime determinations shown are indicative only. Tax rates shown include the 2% Medicare levy. Always confirm your position with a qualified CPA or tax adviser.