Protected by
grandfathering
Old rules apply permanentlyContract signed before 12 May 2026, 7:30pm AEST
Step 1: Work out which rules apply to you
First decide whether your property is affected by the new rules — everything else builds on this.
Protected by
Affected by reform
Established investment propertyContract signed after 12 May 2026, 7:30pm AEST
New build / Build-to-Rent
exception
Negative gearing unchangedBut CGT still follows the new rules
12 May 2026, 7:30pm1 July 2027
Contract signed before 12 May 2026, 7:30pm AEST
→ Old rules apply long-term
(regardless of settlement date)
→ Old rules apply long-term
(regardless of settlement date)
Established investment property bought later
→ From 1 July 2027 losses can't be
offset against wages
→ From 1 July 2027 losses can't be
offset against wages
New build / Build-to-Rent etc.
→ Negative gearing unchanged
(wage offset still available)
→ Negative gearing unchanged
(wage offset still available)
The policy formally commences 1 July 2027, with a transition period in between. Work out which rules apply before entering your numbers.
Select the option that matches you
How do I tell?1. Contract date
Date the sale contract was signed
(not the settlement date)
2. Property type
Pick the option matching the
investment property you bought
3. Ownership structure
Individual or joint (default 50/50)
Trust / company not supported yet
Based on your selections, your initial verdict is:
Established investment property affected by reform
From 1 July 2027, holding-period losses can no longer be offset against wages, and CGT on sale will be calculated under the new rules.
Your inputs are used only for calculation — never saved or shared