Dashboard
Weekly
(incl. -ve gearing)
Year 1, after tax benefits
Upfront costs
(deposit + other)
Minimum hold time
(for profit on property)
Property path total
(year 10)
at year 10
What happens over 10 years
Annual cash flow
is rent received minus your total loan payments (interest and principal) minus rates and insurance.
adjusts for income tax: if the property makes a taxable loss (often called ), your tax bill can fall; if it makes a profit, tax can rise.
reduce your pre-tax cash only, not deducted from taxable rental income.
Yearly totals
| Year | Property Value | Loan | Rent | Interest |
|---|
Stamp duty uses approximate effective rates by state for typical residential transfers (no concessions). Property sale CGT follows the Tax sidebar when you are not using the leave-Australia path, or when you use it but are modelled as resident again by the sale year (via Year return). If you leave and do not return before sale, property CGT uses marginal brackets on a pro-rata taxable gain (50% discount only on the resident-time share of the hold) unless you choose full-gain mode; main residence is not applied in that branch. See the dashboard banner when leave year is set. ETF tax at sale follows Compare-to-ETF settings. Marginal rates are 2025–26 resident brackets where used. The ETF baseline invests deposit plus all modelled upfront costs (after a 0.5% buy fee on that sum) and compounds total return yearly. Year 1 capital improvements, if entered, are modelled as cash out in year 1, added to cost base for CGT, not as an immediate rental deduction, and do not change the ETF baseline lump sum. Verify all figures with a qualified adviser.