Tax Freedom Day Calculator
When do you start earning money that’s genuinely yours?
Your details
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% p.a.
Investment property
Smart structures. Less tax.
Most Australians hold investment properties in their own name — meaning rental income is taxed at their marginal rate, often 37–45 cents in the dollar. Losses can be used to offset other income (negative gearing), reducing your tax bill.
Use the ownership structure toggle above to see how different entities change the numbers.
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Use the ownership structure toggle above to see how different entities change the numbers.
Where your income goes
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Tax + GST
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Mortgage
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Genuinely yours
% of year genuinely yours — how you compare
Your year at a glance
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days until tax freedom day
Working for tax
Working for mortgage
Genuinely yours
TODAY
🎉 FREEDOM
Estimates use ATO 2025–26 income tax rates (Stage 3 cuts: 16c/$1 to $45k, 30c/$1 to $135k), Medicare levy (2%), Low Income Tax Offset, and approximately 5% of gross income as indirect tax/GST.
Mortgage repayments are calculated on the stated loan balance, interest rate, and term. These are estimates only — for personal financial advice, consult a qualified adviser.
Source: ATO 2025–26 · RBA · APRA · Providence Property Group analysis.
Take the next step
Your Tax Freedom Day is earlier than you think.
The right investment structure doesn\'t just reduce your tax — it compounds. Our advisors can show you exactly what that looks like for your situation.
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