About Vestly
A property investment tracker built specifically for the Australian tax system. We help investors know exactly what each property is doing and stop leaving deductions with the ATO. Aligned with ATO FY 2025-26 rules from the ground up, across all 8 states and territories.
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.
What you get
One place to track every property, every tenancy, and every dollar that ends up on your tax return.
- Track properties, tenants, leases, bond, rent payments, 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 assistant ask Vestly anything about your portfolio in plain English. It knows your real numbers.
- 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 2025-26), 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. Our only revenue is from people subscribing to Vestly: $9.90 per active property a month, GST included, with a 7-day free trial.
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.
See your own numbers
Add a property and watch the cashflow and tax saving update in real time. Start with a 7-day free trial, $0 today. Then $9.90 per active property a month, GST included. We email you before the trial ends, so there is no surprise charge. Cancel anytime.
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