Recommended next steps
Based on your results, here's what we suggest doing next.
Affected by reform
You are affected by the reform
Established investment property: from 1 July 2027, holding-period losses can no longer be offset against wages and CGT on disposal will be higher. Estimated net loss ≈ $29,765.
Read the policy explainer →Three concrete directions
01
Optimise your holding strategy
- Reassess your holding cash flow — especially negative cash-flow assets
- Simulate different sale years to find a better exit timing
02
Consider new build / BTR
- New builds / BTR can still be negatively geared — friendlier policy treatment
- Compare new build vs established long-term tax impact
03
Talk to a professional
- CGT segmentation and indexation are intricate — get an accountant to model it out
- Especially if you hold multiple assets or use trust / company structures
Line-by-line detail
Holding-period negative-gearing impact
-$18,037›
Higher CGT on disposal
-$11,727›
Other impacts
$0›
Total impact
-$29,765›
Key assumptions
Edit assumptions →Purchase price$1,000,000
Contract date2026-08-15
Expected sale price$1,550,000
Expected sale year2031
Annual rental income$48,000
Annual holding cost$58,000
Personal annual income$180,000
Ownership structureIndividual
Property typeEstablished investment property
Marginal rate 37.0% · Held 5 years · CPI 2.5% · Method: phase1-assumed
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This tool produces estimates of policy impact for educational purposes only. It does not constitute tax, legal or financial advice. Refer to a registered accountant or licensed financial adviser for actual numbers.