What does your investment property actually cost per week?
After rent, interest, expenses and tax — this is your real weekly out-of-pocket figure. For general information only.
Figures are indicative estimates for general information only and do not constitute financial, tax or credit advice. Depreciation estimates are approximations — see a quantity surveyor for an accurate depreciation schedule.
Your property details
Important information
This is general information only and an indicative estimate. It does not constitute financial, tax, credit or investment advice. Tax outcomes depend on your individual circumstances — speak with a registered tax agent or financial adviser before making any investment decision.
Depreciation figures are approximations based on percentage-of-purchase-price estimates. An accurate depreciation schedule requires a quantity surveyor's report. Interest rates used are indicative market rates as at June 2026 and may not reflect the rate available to you. Council rates, insurance, maintenance and management fee assumptions are generic estimates and will vary by property and location.
LenderBridge is pursuing its credit licence pathway. Nothing here is, or should be taken as, licensed credit assistance.
How negative gearing works
When an investment property's holding costs — interest, rates, insurance, management fees, maintenance and depreciation — exceed the rent it earns, it is negatively geared. The resulting annual loss may reduce your taxable income, which lowers the real out-of-pocket cost of ownership.
This calculator estimates your weekly cash position after accounting for all costs, the non-cash depreciation benefit, and the tax saving at your marginal rate.
Common questions
What is negative gearing?
Negative gearing occurs when rental expenses exceed rental income. The taxable loss offsets your other income, reducing your overall tax bill and lowering your real weekly holding cost.
How does depreciation help?
Depreciation is a non-cash deduction on the building and its fixtures. Because you don't actually spend money on it each year, it reduces your taxable rental income without an equivalent cash outlay — making it one of the most powerful tax benefits for property investors.
Is interest only better for negative gearing?
Interest-only loans carry a slightly higher rate but generate a larger deductible interest expense, which increases the negative gearing benefit. Whether that trade-off suits you depends on your cash flow, equity strategy and tax position — worth discussing with a tax adviser.
Does this calculate stamp duty or other purchase costs?
No — this tool focuses on ongoing weekly holding costs. Use the Stamp Duty calculator on LenderBridge for acquisition cost estimates.
General information only. This is not financial, tax or credit advice. Speak to a registered tax agent and financial adviser before making investment decisions.