Your Australian property portfolio,
finally tracked properly.
Cashflow, tax, CGT, and the ATO-ready tax pack - in one place. Free during early access.
Portfolio value
$1,270,000
Total equity
$490,000
Net cashflow
−$460/mo
14 Maple Street, Brisbane QLD
House · 4 bed 2 bath · $380k loan · 4.5% yield
3/22 Beach Road, Gold Coast QLD
Unit · 2 bed 1 bath · $416k loan · 5.2% yield
Net cost after tax benefit ($461/mo)
~$0/mo
Interactive demo. Click the tabs to explore.
See exactly what each property earns, down to the dollar
Vestly calculates your real monthly cashflow after mortgage repayments, management fees, council rates, strata levies, insurance, and maintenance. No end-of-year surprises.
- Every expense category broken down per property
- Positive vs. negative gearing status at a glance
- After-tax cashflow factoring in your gearing benefit
Without properties
With properties ✓
You save this financial year
Automatically calculated · ATO FY 2025–26
$0
$0 per month
Know your exact tax saving before June 30
Enter your employment income and Vestly calculates your precise negative gearing benefit using the ATO's current tax brackets. No accountant needed for the basics.
- ATO FY 2025–26 income tax brackets built in
- Combined income + rental loss calculation
- See your effective tax rate before and after gearing
Model any property before you commit
Before you sign a contract, run the numbers. Enter a purchase price, weekly rent, and interest rate to get instant cashflow, stamp duty, upfront costs, and full tax impact for any state.
- Accurate stamp duty for all 8 states & territories
- P&I vs. interest-only cashflow comparison
- Annual tax saving from negative gearing at your income level
Purchase price
$650,000
Weekly rent
$490/wk
Interest rate
6.50%
State
QLD
Everything in one place
Purpose-built for Australian investors. No bloat, no generic finance tools repackaged.
Real-time cashflow
Per-property monthly cashflow after mortgage, management fees, rates, and maintenance.
Tax & negative gearing
ATO-aligned FY 2025-26 tax calculations. See your exact tax saving in dollars.
Property planner
Model any property before buying. Cashflow, stamp duty, rate stress test, and tax impact for every state.
Property shortlist
Save every property you're considering and compare cashflow, yield, and tax side-by-side.
Inspection diary
Log every open home. Searchable notes, asking price, and rent estimates - one place for your research.
AI property insights
COMING SOONComing soon. Ask anything about your portfolio and get answers grounded in your real numbers, not generic scripts.
CGT calculator
Model a future sale. Instant capital gains tax with the 50% CGT discount applied.
Refinance comparison
Enter a new rate and instantly see annual savings, break-even on switching fees, and after-tax impact.
Borrowing capacity
Bank-style serviceability with the APRA buffer, shaded rental income, and existing loan commitments. Know before you ask a broker.
Rent increase notices
Generate a state-compliant rent increase letter with the correct minimum notice period and frequency rules.
ATO-ready tax pack
One-click FY report with deduction subtotals, interest breakdown, depreciation schedules, and CGT events. Hand it straight to your accountant.
Smart reminders
Never miss a lease expiry, insurance renewal, rent review, or land tax season. Vestly surfaces what needs action this month.
Document vault
Store leases, depreciation schedules, and insurance policies. Expiry alerts included.
Up and running in minutes
Three steps and your whole portfolio is tracked.
Add your properties
Enter purchase price, loan details, weekly rent, and ownership split. Takes about 2 minutes per property.
Set your employment income
Add your salary so Vestly can calculate your exact negative gearing benefit and after-tax cashflow.
Track everything
Log expenses, monitor cashflow, model future purchases and print tax reports. All from one clean dashboard.
What investors are saying
From first-time investors to seasoned landlords across Australia.
“I've been running a spreadsheet for six years. Vestly replaced it in an afternoon. The negative gearing calculation alone has saved me hours at tax time. I found out two of my four properties are actually cash positive.”
James M.
Sydney, NSW · 4 properties
“My accountant asked how I'd calculated my depreciation summary so neatly. I told her I used Vestly. She asked me to recommend it to her other investor clients.”
Sarah K.
Melbourne, VIC · 2 properties
“The property planner is a game-changer. I modelled three different suburbs before buying my third property and ran the cashflow, stamp duty, and tax impact on all of them before I put in a single offer.”
David R.
Brisbane, QLD · 3 properties
“The CGT calculator saved me a $400 accountant bill. I modelled the sale of my unit and got the liability, remaining depreciation, and cashflow impact in seconds.”
Emma T.
Perth, WA · 2 properties
“Finally understand what my portfolio is actually costing me vs. what the ATO gives back. The tax saving number is eye-opening. Wish I'd had this when I bought my first investment.”
Michael C.
Gold Coast, QLD · 5 properties
“Super clean and easy to use. I check my cashflow every week now instead of dreading the end of year reconciliation. The document vault alone is worth it. No more hunting for old leases.”
Lisa W.
Adelaide, SA · 2 properties
Your portfolio is working.
Make sure you are too.
Stop guessing what your investment properties actually earn. Join Australian investors who track every dollar with Vestly.
Get started for freeQuestions? Get in touch