Negative Gearing Calculator 2025

To compare investment proposals which have a loan element, put different sets of assumptions into the negative gearing calculator spreadsheet, to project results - all summarised on a single page.

Save spreadsheet versions to compare projections, or print it off as a report for clients.

Manipulating risk and return assumptions enables you to find a calculated level of comfort before spending hard-earned dollars on an investment proposal.

This spreadsheet works as a smart back-of the-envelope decision tool. It's useful as a quick guide to the financial arithmetic involved in a geared investment decision, where the investment costs are tax deductible.

The spreadsheet is deliberately very simple, so that the cause, effect and projected results can be very clearly understood, without clouding the issue with technical fine tuning, or minute analysis of arcane tax provisions which don't have a major impact on the outcome. CGT for example is guesstimated with a single percentage rate.

The spreadsheet can be used to evaluate the effect of any tax-effective leveraged investment, such as shares, property, rental property etc.

Use of the calculator assumes you have a reasonably good idea of income and expense profiles, and prefer a fast-but-good estimate over a slow-but-highly-accurate kind of analysis.

The spreadsheet is basically a single investor, single investment model.