Ultimate Negative Gearing Calculator

This Ultimate Negative Gearing Calculator is a super model that many property investors dream. It allows up to 2 (two) investors to:

1) predict how a portfolio of multiple properties (up to 16 properties) will grow in value;

2) examine the serviceability and predicts when the investors can afford the next property;

3) work out the expected income tax liability from year to year.

Note: You will get $436 FREE bonus (shown in the table below and based on personal use price) when you purchase the Ultimate Negative Gearing Calculator.

Free Bonus Value
1. Negative Gearing Affordability Calculator $79
2. Investment Property Evaluation Spreadsheet $79
3. Investment Property Management Spreadsheet $79
4. Lifetime Free Update $199
Total Bonus $436

Negative Gearing Calculator Features - Help you to choose the right Negative Gearing Calculator.

Ultimate Negative Gearing Calculator

This Ultimate Negative Gearing Calculator caters for such variables as:

1. properties bought in different years (in the past and expected in the future) bought on specific dates;

2. variations in income tax scales from year to year;

3. P&I loans and I/O loans and switching between them, fixed interest loans, variable interest loans;

4. adjusting loan interest rates from year to year;

5. adjusting salary percentage increases from year to year;

6. adjusting rent percentage increases from year to year;

7. adjusting salary sacrifice (for example, superannuation contribution) rates from year to year;

8. adjusting cost increases from year to year;

9. works out purchase costs (both property and loan depending on the state);

10. allows for initial cash deposits on properties;

11. allows for entry of real information (eg from depreciation schedules, tax returns etc which overrides derived or predicted data;

12. income from different sources (wages, rents, shares etc);

13. variable capital growth rates for different properties and the ability to vary the capital growth rate from year to year;

14. net present value for different properties;

15. and much more ...

Things You Need to Know

Please note: All the Negative Gearing Calculators (Free version, Standard version, Professional version, or Ultimate version) have the same set of following assumptions.

(1) It is assumed the investor has an interest only (unless otherwise stated) home loan and the interest is deductible for tax purposes.

(2) When calculating the Capital Works Deductions, it assumes that the construction of the property started after 15 September 1987 and therefore the depreciation deduction is claimed for 40 years from the date construction was completed at a rate of 2.5% per year. Please note: You can manually adjust the depreciation deduction values from year to year if this assumption does not suit your situation.

(3) When calculating the tax payables, the tax rates applicable to Australian residents are used and the 1.5% Medicare Levy based on the individual Medicare Levy threshold is included where applicable. The calculator does not incorporate any other factors that might influence the amount of tax payable, such as Medicare levy surcharge, HECS contributions, any rebates, and deductions.

(4) The discount method is used to calculate capital gain tax if you hold the property for at least 12 months. The discount percentage is 50%.

(5) All months are assumed to be of equal length. One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.

Refund Policy: If you are having issues with a product and need assistance with downloading and/or using the product, please contact us before you ask for a refund as we are confident that we will be able to resolve the issues. If we cannot help you, full refund will be offered within 30 days from the date of purchase. Negative Gearing Calculator will do our best to satisfy all refund requests from customers in a courteous, timely, and fair manner. Again, it will be very much appreciated if you can let us to rectify any issues you are having before asking for a refund.

Buy Negative Gearing Calculator

Cost - Personal Use: $199

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Cost - Commercial Use: $399

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File Type
.xlsb - Excel Spreadsheet

Standard version - v1.0.2024
Professional version - v1.0.2024
Ultimate version - v1.0.2024

File Size
Standard version - ~440KB
Professional version - ~560KB
Ultimate version - ~9,070KB

Microsoft Excel® 2007 & above for Microsoft Windows®
Microsoft Excel 2011 & above for Mac

Please use the Contact Form if you have questions.

All the calculators are built in Microsoft Excel spreadsheet. You need to have Microsoft Excel 2010 & above and Microsoft Windows to use them.


All the Calculators are built for residential rental properties. Using any calculator from Negative Gearing Calculator for commercial property investment (e.g. retail shop, office etc) is at your own risk. All the information and calculators are for general information and education purposes only. Neither Negative Gearing Calculator nor our partners should be liable for any direct or consequential loss or damages arising to you or any third parties as a result of relying on the information or calculators provided on this website.

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