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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.
Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.
This calculator exists to show you the arithmetic. It applies published Australian rates, thresholds and formulas to the numbers you enter and shows the working, so you can check it. That is all it does — it produces a number and describes what the number is. It does not recommend anything and it holds no opinion about any financial product.
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This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.