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Investment income, dividends and capital gains calculations — CGT, franking credits, rental yield and negative gearing, built on current ATO rates.
A capital gain is added to your assessable income and taxed at your marginal rate. If you held the asset for more than 12 months, individuals get a 50% CGT discount on the gain before it's added to your income — that discount is replaced by CPI cost-base indexation plus a 30% minimum tax rate from 1 July 2027.
Franking credits represent tax an Australian company has already paid on its profits before paying you a dividend. They offset your personal tax bill and can be refunded if your marginal rate is lower than the company tax rate.
Negative gearing is when a rental property's holding costs (loan interest, rates, maintenance) exceed the rental income it earns. The resulting loss can be used to offset your other taxable income, reducing the tax you pay.
Yes. Net rental income, after deducting allowable expenses, is added to your assessable income and taxed at your marginal rate.