Tax tool
Investment property cashflow
Negative gearing and after-tax cost.
Brings together rent, expenses, loan interest and depreciation to show the true after-tax holding cost of an investment property at the investor's marginal rate.
The headline is the weekly out-of-pocket figure, with the tax effect shown separately so the client can see how much of the loss the refund really covers.
What you see on screen
In the app this chart is live: every assumption is on screen, editable, and the projection moves as you change it.
Key inputs
- Rent and vacancy allowance
- Property expenses (rates, insurance, management, maintenance)
- Loan balance, rate and interest-only or P&I
- Depreciation schedule amounts
- Marginal tax rate
What it reports
- Pre-tax cashflow for the year
- The tax-deductible loss including depreciation
- Tax refund at the marginal rate
- After-tax holding cost per year and per week
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
The property runs $18,200 negative before tax, but after the $6,900 refund the true cost is $11,300 per year, about $217 per week.
Depreciation contributes $4,290 of the refund without costing a dollar of cash.
Every tool, every time
Rates and thresholds come from the verified Australian rate set for the selected financial year. Every run can be saved as a scenario against the client, exported as a client-ready PDF or an Excel workbook with live formulas, and carried into an SOA or ROA. A methodology and audit PDF documents the calculation, and every output carries the compliance block.