Track rental income and expenses, calculate profit/loss, and analyze your property's cashflow performance
Free calculator for Australian landlords with expense breakdown, ownership percentage, and ATO-compliant categories
Understanding your rental property cashflow is essential for successful property investment. This calculator helps you track all income and expenses to see your property's true financial performance.
Cashflow is the difference between your rental income and all property expenses. Understanding whether your property is cashflow positive or negative helps you plan your finances and investment strategy.
This property has negative cashflow of $833/month out of pocket, but may offer tax benefits and capital growth.
Investment Strategy: Track your cashflow to ensure you can sustain the property long-term while building equity through capital growth.
Australian landlords can claim a wide range of expenses related to earning rental income. The key rule: expenses must be directly related to your rental property and properly documented.
💡 Deep Dive: Learn about all rental property tax deductible expenses and landlord tax deductions for 2026.
Negative gearing occurs when your rental property expenses (including loan interest) exceed your rental income. The loss can be offset against your other income, reducing your overall tax.
This $6,000 loss reduces your taxable income. At 37% tax rate, that's $2,220 in tax savings.
Key Considerations:
📖 Full Guide: Read our comprehensive negative gearing guide for Australia to understand the pros, cons, and strategies.
Property depreciation is often the largest missed deduction for landlords. You can claim two types of depreciation:
💡 Pro Tip: Get a quantity surveyor's depreciation schedule to identify all claimable items. Average cost: $500-700 but can uncover $10,000+ in annual deductions.
Use our depreciation calculator to estimate individual asset depreciation, and read our property depreciation guide.
When you sell your rental property, you'll pay Capital Gains Tax (CGT) on the profit. However, there are strategies to minimize this:
📚 Learn More: Read our detailed guide on capital gains tax for investment properties.
The ATO requires you to keep records for 5 years after lodging your tax return. Proper documentation protects you during audits and ensures you don't miss deductions.
🚀 Automate Your Record Keeping: ReceiptClaimer automatically scans receipts, categorizes expenses, and stores them securely for 7+ years.
Learn about ATO receipt requirements and how to organize receipts for tax time.
Track all your receipts and deductions in one place
Join 500+ Australians already tracking their tax deductions
Expense category checker: map receipts to ATO categories, suggest likely tax-deductible items and produce exportable summaries for landlords and contractors.
Instantly assess ATO eligibility, see examples, get suggested categories and guidance on how to claim them. Connect to calculators for deeper analysis.
Estimate your ATO tax refund with salary, withholding and Medicare levy breakdowns, visual results and CSV export for easy sharing and accountant review.