Investment Loan Calculator Australia
Australia's Premier Investment Loan Calculator with Tax Benefits Analysis
Professional Investment Loan Calculator for Australian Investors
Calculate your investment loan payments, tax deductions, and wealth growth projections with Australia's most comprehensive online calculator. Whether you're investing in property or shares, our tool helps you understand the financial impact of negative gearing, dividend reinvestment, and different loan repayment methods.
Features include: Australian tax rate calculations, gearing level analysis, home loan vs straight-line repayment comparison, and detailed wealth accumulation projections. Perfect for property investors, share traders, and anyone considering leveraged investments in Australia.
Explore our other calculators: Property Ownership Cost Calculator for ongoing property expenses, and Franking Credit Calculator for dividend tax benefits.
Loan Parameters
Constant Payment
Reducing Payment
Investment Parameters
Tax Parameters
Investment Loan Strategies for Australian Investors
Negative Gearing Strategy
Negative gearing occurs when your investment loan costs exceed the income generated. This creates tax deductions that can reduce your taxable income. Our calculator shows how this strategy works with different property investments and share portfolios.
Positive Gearing Benefits
When investment income exceeds loan costs, you achieve positive gearing. This provides cash flow while still benefiting from capital growth and tax advantages on interest payments.
Leverage and Risk Management
Leverage amplifies both gains and losses. Our gearing calculator helps you understand your risk level and how it changes as you pay down debt and investments grow over time.