Three calculators for the 2026-27 Budget changes: your pay, your shares, your investment property

The 2026-27 Budget measures became law on 26 June 2026. Three new calculators run them on your own numbers, no sign-up needed, every figure computed by the same projection engine that runs your plan.

Tax on your pay

The New Tax Rules Calculator shows your tax this year and next under the enacted rules and under the rules before Budget night: the $1,000 instant work deduction from 2026-27 and the $250 Working Australians Tax Offset from 2027-28. It then shows what the difference becomes across your whole plan, in today's dollars, and whether it moves your FIRE age. The 2025 bracket cut sits on both sides so it is never counted as a Budget change.

Capital gains on shares and ETFs

From 1 July 2027 the 50% discount is replaced by CPI indexation of the cost base and a minimum 30% on the gain. The Capital Gains Tax Calculator prices a share or ETF parcel three ways: sold before the cutover, sold in a later year under the new rules, and the same sale under the old rules. Then it draws the portfolio down year by year, the way an early retiree lives off it, and shows where the 30% top-up bites. Two things the page makes plain: the gain you have made before 1 July 2027 keeps its discount whenever you sell, so there is no need to sell early to protect it, and the 30% is a top-up on ordinary tax, not a flat rate, which is why it lands hardest on low incomes.

Negative gearing, new build versus established

From 2027-28 a rental loss on a residential property bought after Budget night is parked rather than deducted against your salary, unless the property is a qualifying new dwelling. The Negative Gearing Calculator runs one purchase through the projection engine as an established dwelling, as a new dwelling and under the old rules: what each costs you to hold after tax, what is parked, what comes back against the gain at sale, and the capital gains tax on the way out. Parked losses are deferred, not lost, and the calculator shows that honestly, including the case where the established dwelling's total tax is lower but its cash cost is higher.

What to know before you compare

The new-dwelling definition and its 50% discount at sale are still being legislated, so for now the property calculator sells both dwelling types under the same capital gains rules; where the established dwelling shows less tax at sale, that is its parked losses coming off the gain first. Depreciation, state stamp duty and land tax are not modelled. Below about $70,000 of income the figures are approximate because the low income tax offset is not yet in the engine. Every page says what it leaves out.

In the workspace

The same comparison is one toggle away on your own plan: the New tax rules pill on the projection chart runs your whole household under both rule sets. Property purchases and sales with the pre-Budget comparison are a Premium capability, and each calculator has a door straight into it.

Also in this release

• Share portfolio holdings, such as shares and ETFs, no longer have the Model Settings investment fee taken off their growth, because a fund's own fees are already in its price. A platform or adviser fee paid on a holding is entered on that holding. A Model Settings investment fee set to 0% now means no fee.
• Other investments now show the growth rate and fee they take from Model Settings, with a button to go back to the default. Cash rows show no fee.
• Adding an investment now starts by asking what it is, so it gets the right fields and rates from the start.
• Locked rate fields show a padlock again; select it to see what Premium adds.
• The Super card now shows the growth rate it uses, the Model Settings growth rate less 15% tax on earnings, and says that super fund fees are not included.
• Savings accounts and term deposits now ask for their interest rate and earn only that, with no investment fee, and the interest is taxed as income. Any added before now, and older cash accounts still carrying a growth rate, keep growing as before until their rate is entered.
• The Cashflow tab now opens on every plan. Free members see this year's flows in proportion; Premium adds the dollars behind every flow, the tax and super detail, and every year of the plan.
• The tax shown against a single property sale is no longer understated when part of it is a loss from before the cut-over.
• Capital gains tax on the planned sale of a property bought after 1 July 2027 is now calculated on the indexed gain.