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. Not ownership splits across SMSFs, trusts, and individuals.

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 to track every property, every tenancy, and every dollar that ends up on your tax return. And if you self-manage, Vestly carries the admin side of a property manager's job - rent and arrears, compliant notices, the maintenance log - so paying a percentage of your rent becomes a choice, not a default. See how self-managing with Vestly works.

• Track properties, tenants, leases, bond, rent payments, maintenance, expenses and loan balances.
• Tax live FY tax position, negative gearing, depreciation, CGT, land tax, and a one-click tax pack for your accountant.
• 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 Open Banking (CDR) integration on the roadmap. Waitlist open now.

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 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. Tracking your portfolio in Vestly is free, so our only revenue is the optional EOFY Tax Pack, $79 per tax year, 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.