What will this investment really cost you?
The number that matters: your weekly out-of-pocket after tax, once rent, interest, expenses, depreciation and negative gearing are factored in.
How it works: rent minus interest, running costs and depreciation gives your taxable result; any loss is offset against your income at your marginal rate (negative gearing). Depreciation is a non-cash deduction, so it boosts your refund without costing you cash.
Net weekly cost after tax
$0
After negative gearing benefit
| Annual rent | $0 |
| Loan interest | $0 |
| Running costs (rates, insurance, strata, mgmt, maint.) | $0 |
| Pre-tax cashflow | $0 |
| Depreciation (non-cash deduction) | $0 |
| Tax refund / (payable) | $0 |
| After-tax cashflow / year | $0 |
| Gross rental yield | 0% |
Disclaimer: Indicative estimate only, not financial, tax or credit advice. Actual depreciation requires a quantity surveyor's schedule; tax outcomes depend on your full circumstances and current ATO rules; interest is shown as interest-only for simplicity. Confirm with your accountant and contact Smart Buyer Hub before relying on these figures.