The budget broke my old spreadsheet so I built a proper full Financial Investment Portfolio Planner
35M, married, two kids, trying to work out what to actually do with these new budget changes.
The core question I couldn't find a straight answer to: is it still worth buying an established investment property, or should I be looking at knock-down/rebuild, parking cash in offset, going heavy on shares, or some combination? Every calculator I found either ignored the new CGT/negative gearing rules or was too simple to model anything realistic.
So I built one.
It models your PPOR mortgage with offset, investment properties (standard rental and KDR with the new Budget 2026 tax treatment, established vs new build vs grandfathered), shares with DRP and franking credits, capital works and repairs, and CGT cost base correctly split at the July 2027 transition. You can stack multiple properties and run them side by side.
I'm not a financial advisor, I'm just an IT Project Manager. The irony of all this scope creep on a 'quick calculator' is not lost on me.
There are probably bugs. If you find one, drop it in the comments and I'll fix and push a new version.
Would be so happy to make something useful for the community, especially with all this uncertainty!