Ato in Australian property
Everything we've published on ato — 4 expert guides and news pieces, plus 20 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: How to Pull \$50,000 Out of Your Super for a Deposit
The FHSS lets first home buyers save for a deposit inside super at the 15% concessional rate instead of their marginal rate. Caps, eligibility, tax treatment, timeline, and the five traps that catch most applicants.
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
20 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 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
Calculate capital gains tax (CGT) on Australian investment property. Estimate your taxable capital gain, CGT discount eligibility, tax payable, and net profit after tax.
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
Compare the total cost of buying vs renting a home over time. Factor in mortgage repayments, property growth, rent increases, stamp duty, holding costs, and investment returns to see which option builds more wealth.
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 superannuation based on published ATO thresholds.
Run itFinanceCompound Interest Calculator
Calculate compound interest with regular contributions and see how your investment grows over time with the power of compounding.
Run itPropertyRental 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 Scenario Calculator
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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