Landlords.
Owning a rental means keeping good records and knowing which costs you can claim this year and which are claimed over time.
These guides cover repairs, depreciation, joint owners, gearing and the changes that start on 1 July 2027, with worked examples for each.
What you can claim, and when
- Is it a repair or an improvement? What can I claim straight away on my rental?
Why the same fence fix can be claimable now or only over time, and how repairs, improvements and initial repairs are treated for an Australian rental.
7 min read
- Depreciation on a rental: Div 40 vs Div 43, and why you can't claim the old dishwasher
The two kinds of rental depreciation in plain words: the building versus the things inside it, and the second-hand assets rule since 2017.
7 min read
- We own the rental together. How do we split the rent and expenses?
Why co-owners split rent and costs by their share on the title, not by who paid, with a worked 50/50 and 70/30 example for Australian rentals.
7 min read
Gearing and the 2027 changes
- Positive vs negative gearing: what it actually means for your tax and your bank account
What negative and positive gearing mean, with a 2026-27 worked example showing the tax effect and the cash you are still out of pocket.
7 min read
- The 2027 negative gearing and CGT changes: what's law, and does it affect my rental?
The 2027 negative gearing and capital gains tax changes are law. Who keeps the old rules, how losses carry forward, and what is still being finalised.
8 min read
Start with the free pay check.
Type in one fortnight's pay and bills and see where it all goes. Works in Excel and Google Sheets.