About Vestly
A property investment tracker built specifically for the Australian tax system. Aligned with ATO FY 2025-26 rules from the ground up.
Why Vestly exists
Most property investor tools are either spreadsheets, US-focused SaaS products, or feature bloat pretending to be investment software. None of them get Australian tax right. Not Division 40. Not Division 43. Not the 50% CGT discount with a moving contract date. Not ownership splits across SMSFs, trusts, and individuals.
Vestly is built by an Australian investor who got sick of reconciling spreadsheets at tax time. Every calculation is grounded in the ATO's actual FY 2025-26 rules. Every feature is a thing we wished existed.
Our methodology
We take a conservative, ATO-aligned approach to every calculation:
- Income tax uses the FY 2025-26 brackets with Stage 3 cuts applied, Medicare Levy (with shade-in from $27,222 to $34,027), and the Low Income Tax Offset (up to $700).
- Loan interestis calculated from the outstanding balance and interest rate when no actual statement is available. If you log your bank's interest expense, we prefer that - always.
- CGT applies the 50% discount for individuals holding the asset more than 12 months (contract-to-contract, per ATO rules). Discount is not applied for company structures.
- Stamp dutyuses each state's published schedule as of 2025. We update after state budget announcements.
- Cashflow uses the user-entered full P&I repayment so the headline number matches what lands in the bank account. For tax calculations we separately use the interest-only portion so the deduction is accurate.
Not financial advice
Vestly provides estimates based on the data you enter. It is a planning and tracking tool, not a substitute for a registered tax agent. For your actual tax return, consult a qualified accountant.
We do not sell your data. We do not partner with mortgage brokers, depreciation quantity surveyors, or real estate agents on a referral basis. Our only revenue is from paid Vestly subscriptions (coming soon; free during early access).
Data, security, privacy
Your portfolio data is stored on Supabase with row-level security - your data is isolated from every other user at the database level. Documents are stored in private buckets with short-lived signed URLs. We use HTTPS everywhere. We never sell or share your data with third parties.
For full details see our privacy policy.
Get in touch
Questions, feature requests, or just want to tell us we got something wrong? Email vestlyaus@gmail.com or use the contact form. We reply within one business day.