LandlordGauge

Should I sell or keep my rental property calculator

Compare keeping a rental and selling later with selling now and investing, after capital gains tax on your share, including the July 2027 rules.

Your property and assumptions

Today's estimated sale value, not the original purchase price.

Balance held constant throughout this simplified projection.

Annual rent you expect to collect, allowing for empty periods.

Running costs and interest. Excludes principal repayments, sale costs and taxes.

Your assumption, from -100% to 100%. This is not a forecast.

Your assumed return on sale equity, before taxes and fees.

1 to 50 whole years. Keeping sells at the end of the period.

Your capital gains facts

For the whole property: purchase price plus eligible buying and improvement costs, adjusted for capital works deductions claimed.

Format: DD/MM/YYYY

The contract date. It sets the 12-month discount test and whether you owned the property on 30 June 2027.

Enter 100 for sole ownership. Results show your share of each position, assuming the loan, rent and costs are shared the same way.

Your annual taxable income without the gain, assumed the same in each year of sale.

For the whole property. Your valuation or estimate, needed if you bought before 1 July 2027.

Projects CPI for quarters after the June quarter 2026. 0% to 20% a year.

Typical value, change it to yours. Source: RBA 2 to 3 per cent inflation target (midpoint), checked .

For example Age Pension, JobSeeker Payment, Disability Support Pension, Carer Payment, Family Tax Benefit or Parental Leave Pay.

Keep or sell after CGT

Example result

Keep: net position after CGT

$532,187.31Estimate for your 100% share, selling on 14 October 2031

Sell: net position after CGT

$370,957.47Estimate after investing for 5 years

Keeping for 5 years leaves an estimated $532,187.31 for your share after CGT; selling on 14 October 2026 and investing the rest gives $370,957.47.

Keep and sell later

Projected value
$869,455.56
Loan balance
$400,000
Rent less costs
$120,000
Before tax and sale costs
$589,455.56
Your 100% share
$589,455.56
CGT if kept
$57,268.25
Keep after CGT
$532,187.31

Sale on 14 October 2031: July 2027 rules, 2027-28 rates assumed to continue, indexation factor 1.111 to the December quarter 2031 (projected CPI). Gain on your share $369,455.56.

Sell now and invest

Value less loan
$350,000
Compounded before tax
$425,828.52
Your 100% share
$350,000
CGT if sold now
$45,100
Equity after CGT
$304,900
Sell after CGT
$370,957.47

Sale on 14 October 2026: 2026-27 rates, 50% discount. Gain on your share $250,000.

Keep less sell

After CGT
$161,229.84

Example figures.

Rates as of