Step 3: See your results
Based on your inputs, here is the estimated difference between the old and new rules.
Old vs new rules — side by side
New rules block wage offset · loss carried forward to reduce CGT on disposal
✅ Not a calculator bug — this is what the policy actually produces. The status badge above tells you which category you're in.
Where the difference comes from
💰 Holding-period income tax detail (5 years)
💡 Old rules: annual loss × your marginal rate = wage tax refund. New rules (affected): loss can't be offset against wages — it carries forward and reduces CGT when you sell.
🏠 CGT on disposal — line by line
💡 Individual ownership: 50% discount (held ≥1 year) + marginal tax rate. From 1 July 2027 under the new rules: discount removed, replaced with CPI-indexed cost base + 30% minimum tax floor.
📋 Cost detail (stamp duty / selling cost / depreciation)
⚠️ State stamp duty is approximated with linear bracket rates (error < 5%). Phase 2 will plug into the official state Revenue Office tables.
💼 Total in vs total out (what's actually in your pocket)
💡 This is the "cash in/out of your pocket" view: $1,040,000 in upfront, then over 5 years on average each month you top up $525/mo (old rules) / you top up $833/mo (new rules), then on sale after CGT you walk away with $1,394,291 (new rules).
💡 Tip: download the square poster and post it to Moments. The image carries the QR code and your specific numbers — friends scan in and run their own calculation.
👔 I'm a property / financial adviser
and want to use this tool with my clients
JR Academy's investment-property tax-reform calculator runs a partner program.
We help you with three things: explaining the new rules, sourcing leads, and retaining clients.
The tool page carries your photo, name, contact details and WeChat QR. Clients reach you directly after running it — they don't get pulled into other JR Academy products.
Users you refer who finish the calculation and leave a phone or WeChat ID are attributed to you. A monthly dashboard shows leads + conversions from your traffic.
When a client asks "how does the reform affect me?", send the link and let them enter their own numbers. 30-second result — saves you a 30-minute briefing.
Send your basics (name / service area / credentials). We'll send your white-label link within 1-2 business days.
💡 The partner program is a referral partnership — no upfront fee, referral fee paid on conversion. Details discussed on first WeChat contact.
Key assumptions
- Holding period crosses 1 July 2027 — calculated using hybrid segmentation (50% discount on pre-cutover gain + indexation + 30% floor after).
- Stamp duty: $40,000 (added to cost base)
Results are estimates only and do not constitute tax, legal or financial advice. Indexation basis: Phase 1 assumed parameters, CPI assumed 2.5%.