Property calculators, built for the 2026 rules

Capital gains tax calculator→ CGT on selling an investment property, before and after 1 July 2027, with the valuation vs Treasury formula comparison. Negative gearing calculator→ Your rental loss and tax benefit each year under the old and new rules, and what quarantined losses do when you sell. Should you sell before July 2027?→ CGT for each possible sale year, and the growth rate where the new rules start costing you more. Valuation vs Treasury formula→ Whether paying for a 30 June 2027 valuation could cut your CGT, and in which direction. 6-year rule: renting out your home→ The absence rule, the partial exemption, the reset to market value and the 2027 split. CGT on shares and ETFs→ The deemed sale at 30 June 2027, indexation after it, and how losses are used. 30% minimum tax on capital gains→ Whether a top-up applies to your post-2027 gain, and how much. New build vs established→ Two investment properties side by side after tax, and the growth gap that decides which wins.

Borrowing power calculator→ How much a lender might lend, with the 3% buffer, study loans, card limits and the debt-to-income line. Mortgage repayment calculator→ Weekly, fortnightly or monthly, with interest-only years, extra repayments and an offset. Help to Buy calculator→ The shared equity split, 2026-27 income limits and price caps, and the 5% Deposit Scheme side by side. Refinance calculator→ The monthly saving, the break-even on switching costs, and the cost over the whole loan.

Stamp duty calculator, every state→ Duty, concessions and title fees, and the same price in every state. First home buyer stamp duty→ The first home concession, grant and 5% Deposit Scheme cap in every state. NSW→ Rates from 1 July 2026, the $800,000 first home exemption and the 9% surcharge. Victoria→ General and PPR rates, first home buyers and the off-the-plan concession. Queensland→ General and home concession rates, and duty-free new homes for first home buyers. Western Australia→ The new first home owner rate and the off-the-plan concession. South Australia→ One scale for everyone, and first home relief on new homes. Tasmania→ The rates after the 30 June 2026 changes. ACT→ Owner-occupier and investor rates, and the Home Buyer Concession Scheme. Northern Territory→ The formula, the flat rates and the house-and-land exemption.

Land tax calculator, every state→ Thresholds side by side, and the same land value in every state. Victoria→ The 2026 rates, the COVID debt levy, trusts, the absentee surcharge and the election promises. New South Wales→ The $1,075,000 threshold, special trusts, related companies and the 5% surcharge. Queensland→ Individuals from $600,000, companies and trusts from $350,000, and absentees. Western Australia→ The $300,000 threshold and the Perth Metropolitan Region Improvement Tax. South Australia→ The new $936,000 threshold and the trust rates from $25,000. Tasmania→ The $125,000 threshold and the 2% foreign investor surcharge. ACT→ The fixed charge, the valuation charge, and how units are charged.

Negative gearing changes 2026→ What changed, the key dates, and a four-question check of whether your property is grandfathered. Inheritance, death and divorce→ When grandfathered negative gearing survives a change of owner, and when it does not. Capital gains tax changes 2027→ The 30 June 2027 split, indexation, the 30% minimum tax and the new-build choice, with the Treasury examples.

Full property analysis→ Stamp duty, LMI, grants, cash flow after tax and the sale, year by year, for any property in any state. 2026-27 rates and rules→ Every state's transfer duty, land tax, grants and fees, with the official source for each. Chrome extension→ Send a realestate.com.au or Domain listing straight into an analysis.