The negative-gearing and capital-gains-tax changes are legislated and commence 1 July 2027. From then, rental losses on established dwellings bought after 12 May 2026 stop offsetting your salary — they quarantine and carry forward — and the CGT discount changes for the post-June-2027 slice of your gain. New builds keep full negative gearing.
This free calculator runs the real MOGL engine in your browser: your weekly after-tax position under current law vs the 2027 rules, the quarantined-loss trajectory, and what the same deal looks like as a new build. Nothing is stored; results are shareable by URL and recompute deterministically.
General information only — not financial, tax or credit advice.