Ato in Australian property
Everything we've published on ato — 4 expert guides and news pieces, plus 23 related free calculators.
Does HECS or HELP Debt Affect Borrowing Power in 2026?
How HECS and HELP debt affects mortgage borrowing power in 2026, including the new marginal repayment system, the $67,000 threshold, lender serviceability and whether paying it off before buying can help.
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NewsFirst Home Super Saver Scheme 2026: Contributions, Release and Timing
A current guide to FHSS contribution limits, releasable amounts, ATO determinations, contract timing and associated-earnings limits.
NewsEOFY 2026 Property Investor Tax Checklist: What to Do Before 30 June
The Australian financial year ends 30 June 2026. Four moves before then that actually reduce your 2025-26 tax, plus the traps that catch property investors every year.
InvestmentUnderstanding Negative Gearing for Property Investors in Australia
A complete guide to negative gearing — how it works, the tax benefits, cash flow implications, ATO rules, and whether it makes sense for your investment property strategy.
Calculators for Ato
23 free tools
FinanceSimple Interest Calculator
Calculate simple interest earned on a principal amount over time.
Run itFinanceMortgage Repayment Calculator
Calculate mortgage payments, total interest, and view an amortization schedule for your home loan.
Run itPropertyStamp Duty Calculator
Calculate stamp duty and government charges for property purchases across all Australian states and territories.
Run itPropertyLenders Mortgage Insurance (LMI) Calculator
Model an indicative LMI planning proxy and the repayment impact if the premium is capitalised. Actual lender quotes can differ materially.
Run itPropertyRent-to-Income Ratio Calculator Australia
Estimate what share of gross household or individual income is used by rent, with annualised amounts and a clear explanation of the limits.
Run itPropertyProperty Value Change and LVR Calculator
Convert a percentage property-value change into an indicative dollar value, equity position and loan-to-value ratio scenario.
Run itFinanceInterest-Only Repayment Step-Up Calculator
Estimate the monthly repayment before and after an interest-only period ends, using the balance, rates and remaining loan term entered.
Run itPropertyHome Equity and LVR Calculator
Estimate total home equity, current loan-to-value ratio and equity above a chosen planning LVR using a property value and mortgage balance.
Run itPropertyAuction Clearance Rate Calculator
Calculate a reported auction clearance rate, reporting coverage and the share of scheduled auctions sold from raw auction outcomes.
Run itPropertyLand Tax Calculator
Estimate annual land tax based on land value and ownership, with state-specific thresholds and rates.
Run itPropertyRental Yield Calculator
Calculate gross rental yield, net rental yield and cash flow for an Australian investment property after vacancy, land tax, loan interest and annual costs.
Run itFinanceBorrowing Power Calculator
Model indicative borrowing capacity from income, expenses, existing repayments, interest rate and a 3 to 5 percentage-point buffer.
Run itPropertyProperty Purchase Cost Calculator
Estimate the total upfront costs of buying property in Australia, including stamp duty, government fees, legal costs, inspections, insurance, and moving expenses.
Run itFinanceLoan Comparison Calculator
Compare two home loans side-by-side to find which saves you more over the life of the loan, including fees, interest, and total cost.
Run itPropertyNegative Gearing Calculator
Model 2026-27 rental income, expenses, an indicative tax effect and after-tax holding cash flow. General information only, not a tax assessment.
Run itPropertyCapital Gains Tax Calculator
Estimate a simplified taxable capital gain and indicative tax effect for Australian investment property. This is not a tax-return calculation.
Run itPropertyCGT Reform Comparison Calculator
Compare the former 50% discount method with a simplified indexed-cost-base calculation for an asset acquired on or after 1 July 2027.
Run itPropertyBuy vs Rent Calculator
Model a buying scenario against renting and investing the unused upfront cash. Compare estimated buyer equity with a modelled renter portfolio using your own assumptions.
Run itFinanceIncome Tax Calculator
Calculate your Australian salary after tax for 2025–26 or 2026–27. See income tax, Medicare levy, marginal HELP repayments, take-home pay, effective tax rate and a 12% super illustration.
Run itFinanceCompound Interest Calculator
Calculate compound interest with regular contributions and see how your investment grows over time with the power of compounding.
Run itPropertySimple Gross & Net Rental Yield Calculator
Calculate gross and net rental yield on an Australian investment property. Enter purchase price, weekly rent, and annual expenses to see your yield instantly.
Run itFinanceDeposit Savings Calculator
Calculate how long it will take to save for a house deposit in Australia. See your timeline, interest earned, and savings growth over time.
Run itFinanceInflation Calculator Australia
Model how a constant assumed annual inflation rate changes an amount over time. This is a scenario tool, not a historical CPI lookup.
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