Built for the Australian tax system.

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. And the ones that do charge you before you have seen a single one of your own numbers.

We built Vestly because we got sick of reconciling spreadsheets at tax time. Every calculation is grounded in the ATO's actual FY 2026-27 rules. Every feature is a thing we wished existed.

What you get

One place for every dollar that ends up on your rental schedule, kept current through the year so October is a review rather than an excavation.

• Tax live FY tax position, negative gearing, depreciation (Div 40 and Div 43), CGT and land tax.
• The EOFY tax pack your income, expenses, interest and depreciation sorted into the categories the return asks for, as PDF and CSV, for you to review and verify.
• Track rent, expenses, receipts, loan balances, tenancy and lease dates.
• AI tax tools receipt photo scan, AI document import, depreciation-schedule ingest and a plain-English FY tax narrative, all building your tax pack from your real records.
• AI document tagging drop a rates notice, insurance policy, or strata levy and Vestly recognises it and pre-fills the deduction.
• Reminders lease ending, rent review due, rates quarter, insurance renewal. Email, inbox, and push.
• Plain English mode swap accountant jargon for clear language on the tax page when you want it.
• Bank feeds No live Open Banking (CDR) connection, and none currently being built. Vestly reads the CSV your bank already exports instead, which also reaches history a feed cannot.

Own more than one, or hold one through a trust or an SMSF? That all works, at the same price. It is just not the case we build for first.

Our methodology

We take a conservative, ATO-aligned approach to every calculation:

• Income tax uses the current ATO brackets with Stage 3 cuts applied, Medicare Levy (with shade-in from $28,011 to $35,014 for singles in FY 2026-27), and the Low Income Tax Offset (up to $700).
• Loan interest is 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 duty uses each state's published schedule verified May 2026. 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 prepares and organises your records so you can review, verify and lodge your own return. It does not prepare or lodge the return for you, and it does not give personal tax advice. For advice on your own circumstances, consult a registered tax agent.

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 what customers pay for a plan: A$12/mo, or A$16/mo with the pack, GST included.

Data, security, privacy

Your portfolio data is hosted on Australian servers (Sydney) 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.