Property Analysis & Negative Gearing

Understand your property performance

The Property tab in Plan > Property analyses your investment properties to show yield, gearing status, and real after-tax cost. It auto-detects investment properties from your asset list, so there's no extra setup required.

What you'll see

Gross yield

Finance Frank calculates the gross rental yield based on your linked rental income and the property's current value.

Negative gearing status

If your rental expenses (mortgage interest, rates, insurance, maintenance) exceed rental income, the property is negatively geared. The dashboard clearly flags this for each property.

Tax benefit at marginal rate

For negatively geared properties, Finance Frank calculates the tax deduction at your marginal rate. This shows you how much the ATO is effectively subsidising your property costs.

Real cost after tax

The real cost is what you're paying out of pocket after rental income and the tax benefit. This is the number that matters for cashflow planning.

How to use it

1. Add your investment property as an asset on the Wealth page
2. Link the mortgage as a liability and record rental income transactions
3. Navigate to Plan > Property to see the analysis
4. Review the yield and after-tax cost for each property

Tips

• Keep rental income and expense transactions categorised correctly for accurate calculations
• Update property values periodically using Domain Property Estimates
• Compare properties side by side to identify which ones are performing best
• See Adding Assets for how to set up property records