Disclaimer — Property Tax Tools
General information only
The content on Property Tax Tools (including all calculators, guides, articles, and spreadsheets) is provided for general information purposes only. Our calculators and spreadsheets are educational scenario-modelling tools. They are not intended to be, and must not be relied upon as, tax advice, financial advice, legal advice, lending advice, investment advice, or any other form of professional advice.
Outputs are estimates that depend on the inputs and assumptions you enter. They are not a recommendation to buy, sell, hold, rent, borrow, refinance, invest, claim a deduction, lodge a return, or use any ownership structure (such as an SMSF, trust, company or partnership). Do not use any output as the sole basis for a property, tax, finance or investment decision.
We are not a tax agent, financial adviser or credit provider
We are not a registered tax agent or BAS agent, a licensed financial adviser, a credit provider, a mortgage broker, or a legal practitioner. Using our calculators or purchasing our products does not create a professional-client relationship.
We do not prepare, lodge, review or approve tax returns, business activity statements, objections, schedules or claims. We do not confirm whether a particular deduction, exemption, concession, structure or tax treatment applies to you. We do not advise whether you should buy, sell, hold, rent, borrow, refinance, invest, or use any structure (SMSF, trust, company, partnership).
Use of a self-managed superannuation fund (SMSF) to invest in property is a regulated activity. The spreadsheet does not assess whether an SMSF is right for you and is not a recommendation to use one. Speak with a licensed financial adviser before making any decision involving superannuation.
We do not review your circumstances
We do not review your inputs, verify your assumptions, assess your circumstances, or determine whether the spreadsheet or any calculator is suitable for you. The spreadsheet does not know your full tax, financial, legal, borrowing or personal circumstances.
Not suitable for
Our spreadsheets and calculators may not be suitable if you need advice or modelling for:
- SMSF property acquisition or limited recourse borrowing arrangements
- Trust, company, partnership or other non-individual ownership structures
- Foreign residents, temporary residents, or foreign-owner surcharges not modelled
- Property subdividing, development, or construction activity
- Mixed-use property (part residence, part income-producing)
- Airbnb / short-stay accommodation, especially GST and input-taxed supply issues
- Property flipping, trading stock or profit-making-scheme treatment
- Family-law settlements, deceased estates, or related-party transfers
- Requests for a private ruling, objection, or lodgement position
In these situations, seek advice from a registered tax agent, accountant or lawyer.
Accuracy and currency
We use published ATO and state or territory revenue office rates where applicable and note the financial year and version used on each calculator page and on the Getting Started tab of each spreadsheet. We make reasonable efforts to keep rates, thresholds and formulas up to date, but we do not guarantee that information is complete, accurate or current.
The spreadsheet does not cover every exemption, surcharge, ownership structure, timing rule, private-use adjustment, foreign-owner rule, entity structure, lending condition or individual tax circumstance. Tax rules and rates change, including through budget announcements, legislative amendments and updated ATO guidance. Outputs are estimates only.
Limitations of calculators
Our calculators provide estimates based on the information you enter and certain assumptions. They may not account for all factors that apply to your specific situation, including but not limited to:
- HELP/HECS-HELP repayment obligations
- Medicare Levy Surcharge
- Private health insurance rebate adjustments
- Foreign income and tax offsets
- Trust distributions and company tax structures
- State-specific exemptions and concessions
- Part-year ownership or partial private use of property
No affiliation
Property Tax Tools is not affiliated with, endorsed by, or associated with the Australian Taxation Office, any state or territory revenue office, or any government agency.
Seek professional advice
Before making any property, tax, finance, lending or investment decision based on information from this site or a spreadsheet, consult a registered tax agent, licensed financial adviser, mortgage broker or lawyer who can consider your individual circumstances.
Scope of support
Email support is limited to access, setup, formula explanations and spreadsheet troubleshooting. We do not provide tax, financial, legal, investment, lending, property, SMSF, entity-structure or lodgement advice over email or chat.
Corrections policy
We take accuracy seriously. If you believe any calculation, rate, threshold or formula on this site or in a spreadsheet is incorrect, see our Corrections Policy for how to report it, or email support@propertytaxtools.com.au.
All calculator pages include a "Last updated" date and links to the official sources used. Material corrections are logged publicly on the Corrections Policy page and, where they could have affected a buyer's outputs, communicated by email to the affected buyers.
Limitation of liability
Nothing in this disclaimer excludes, restricts or modifies any consumer guarantee, right or remedy under the Australian Consumer Law or any other law that cannot lawfully be excluded, restricted or modified.
Subject to those rights, and to the maximum extent permitted by law, Property Tax Tools and its operators are not liable for investment losses, lost profits, lost opportunities, tax penalties or interest, financing decisions, property transaction losses, or other indirect or consequential loss or damage arising from the use of, or reliance on, any calculator, guide, spreadsheet or output on this site.
Disclaimer v1.1 — effective 22 Apr 2026. Prior versions: v1.0 (10 Feb 2026 – 22 Apr 2026).