Negative gearing tax saving by income
The higher your income, the more a rental loss saves you. Pick your salary to see the tax saving on a $10,000 loss, calculated from current ATO FY 2026-27 rates.
$60,000 income
30% marginal bracket
$3,350
saved on a $10,000 loss
$80,000 income
30% marginal bracket
$3,200
saved on a $10,000 loss
$90,000 income
30% marginal bracket
$3,200
saved on a $10,000 loss
$100,000 income
30% marginal bracket
$3,200
saved on a $10,000 loss
$120,000 income
30% marginal bracket
$3,200
saved on a $10,000 loss
$135,000 income
30% marginal bracket
$3,200
saved on a $10,000 loss
$150,000 income
37% marginal bracket
$3,900
saved on a $10,000 loss
$180,000 income
37% marginal bracket
$3,900
saved on a $10,000 loss
$200,000 income
45% marginal bracket
$4,700
saved on a $10,000 loss
Want the number for your actual property?
These are samples. Vestly works your negative gearing out from your real rent, interest and depreciation, and keeps it live all year.
Free to track your portfolio, no card. $79 per tax year to send your accountant-ready tax pack.