What’s shipping in Vestly

You can now record the personal tax details a basic calculator skips - a HELP/HECS study loan and whether you hold private hospital cover - under Settings > Tax settings.

We fold them into a live breakdown of your full annual tax: income tax, the 2% Medicare levy, your HELP/HECS compulsory repayment, and the Medicare Levy Surcharge - all on current ATO FY 2025-26 rates. Change a setting and the figures update instantly, so your estimate reflects your real situation, not a generic salary.

One thing we got right under the hood: a negatively geared rental loss lowers your income tax and Medicare levy, but the ATO adds that loss back for HELP and the surcharge, so those do not fall. We calculate them on the correct income and explain it on the page.

More accuracy fixes across property editing and the borrowing calculator.

Your CGT scenarios can now use your prior capital losses carried forward from earlier tax years.

If you've already exported a rental schedule or tax pack, re-export it - the figures will line up with your ownership share now.

EOFY is just over five weeks away. This release closes out the tax-time toolkit with six accuracy improvements and one new comms touch.

Logged a $15k kitchen reno in your property timeline? You'll now see the $375/yr Div 43 deduction (2.5% over 40 years from the improvement date) automatically on the Tax position page. No QS schedule needed - the deduction flows from your capital improvement log, apportioned by ownership and PPOR-day factor. Tax position will note "includes $X auto-calculated Div 43 from capital improvements" under the deductions row.

The Rental schedule now flags how many expenses over $300 don't have a document attached. ATO substantiation rule: claims over $300 need evidence. The banner shows up at the top of /tax/rental-schedule when there are any to fix.

When you set loan interest deductibility below 100% on a property (e.g. you've used redraw for a personal car), you can now record a one-line reason directly on the property edit form. Lives on file as an audit trail if the ATO ever asks why the % isn't 100%.

Plain-English summary at the top of /tax/pack: "Your FY return will show $X in gross rent, $Y in deductions including $Z depreciation, leaving a $W rental loss/profit." Tax saving estimate too. No more scrolling through tables to answer "what will this return look like?"

New section on Settings > Tax history: tick each FY once you've lodged the return. Server actions reject any expense create/edit/delete in a locked FY, so a lodged return can't be accidentally mutated. Unlock any time if you need to fix something.

Within 90 days of 30 June, /tax/cgt now shows a heads-up about CGT timing across the FY boundary, including the upcoming Stage 3 bracket cut (16% to 15%) from 1 July 2026 - which can shave a few hundred off a discounted gain for mid-income earners.

On 16 June we'll send one personalised email per user: "your FY tax pack is X% ready, here's what's still missing." Idempotent + respects your unsubscribe preference. One touch only - no drip series.

Four small things that make a real difference to the numbers in your FY 25-26 return.

When you log a Repairs & Maintenance expense, two quick questions decide whether it's actually deductible this year or whether it's a capital improvement that goes to your cost base or Division 43 schedule. The two most common audit issues for property investors are claiming improvements as repairs (over-claim) and claiming "initial repairs" at purchase as immediate deductions (capital). This catches both.

Normal body-corporate levies are deductible this FY. Special levies that fund capital works (lift replacement, painting the whole building, etc.) are not - they're Division 43 over 40 years. The expense form now lets you pick which one, and special levies are flagged so they don't quietly inflate your deductions.

Since 1 July 2019 (Treasury Laws Amendment Act 2019, ITAA s.26-102) holding costs on vacant residential land are no longer deductible. They roll into the CGT cost base instead. If you have a land property in your portfolio, the Tax tab now shows a warning explaining the rule + linking to the relevant properties.

If you lived in a property for part of FY 25-26 (e.g. moved out mid-year and rented it out), you can now record the days you lived there on the property edit form. Your rental income and deductions get pro-rated to the rental-only portion. Tax position, rental schedule, and by-entity breakdown all honour the split.

Open the Tax tab, then any property under Edit > Rental, to set the PPOR days if relevant.

EOFY is six weeks away. We've added the tools that turn the Tax tab from a calculator into a lodgement workflow - inspired by the best of TaxTank, simplified, and tuned for the way Australian property investors actually work.

A new tab at Tax > Rental schedule lays out every property in the exact shape ATO myTax wants it. One card per property, every Rent section field mapped, copy-to-clipboard buttons on every line, and a single Copy all per property if you'd rather paste the whole block in one go.

Co-owned properties show both the 100% figure and your share automatically.

Linked your accountant under Settings? Hit Email to accountant on the rental schedule (or on the tax pack) and we send them a clean per-property breakdown - HTML + plain text, reply-to set to your email so they can write back directly.

The top of Tax > Position now shows a 0-100 readiness score plus a checklist of what's still needed before lodgement: rent set, deductions logged, depreciation schedule on file, documents stored. One tap on each item takes you to the page that fixes it.

When you're all set, the card goes quiet - just a single line confirming you're tax-ready.

On Tax > CGT there's now a year-round timeline of every event that affects each property's CGT cost base - purchase costs, capital improvements from your property log, and disposal events. Shows the unrealised gain at today's market value so you always know where you'd stand on sale.

On the property edit form (Loan section) there's a new field for the percentage of loan interest that's tax-deductible. Default 100 for the typical case. Drop it if you've used redraw or split funds for non-investment purposes - the rental schedule applies the % to your interest line automatically. The ATO rule it implements: interest is only deductible to the extent the borrowed funds were used for income production.

Notes: figures auto-apportion by ownership share and apply the interest-deductible % wherever you set one. Always sense-check anything material with your accountant before lodging.

Two new cards landed on the dashboard so you can keep your numbers tight without re-typing the same bill every quarter.

When a recurring expense (rates, insurance, strata) comes due in the next 7 days, it now shows up at the top of your dashboard with three buttons:

There's also a Stop recurring option per row if you want to kill the schedule entirely.

Behind the scenes: a daily cron looks at every property's recurring expenses and stages the ones coming due. Nothing hits your books until you approve.

A new card in the dashboard status rail shows the last dozen things that happened across your portfolio - expenses logged, documents uploaded, loan rate changes, recurring approvals, new entities. Click any row to jump to it.

Read-only and quiet by design. The point is "what's been going on", not "things you must do".

A polish pass on property editing today. Five things landed:

The button next to Entity on the property edit form now opens a single panel where you can add, rename, change type, or delete any of your trusts, SMSFs, companies, or joint owners. No more bouncing to Settings just to fix a name.

Pick a Trust for a property and Ownership structure locks to "trust" automatically. Pick an SMSF, it locks to "smsf". One source of truth instead of two fields you had to keep in step manually. We backfilled existing properties so anything that drifted is back in sync.

The two most-used actions on a property page now sit inside the green banner up top as translucent pills. Less hunting, less scrolling on mobile.

The AI assistant on the dashboard now stays square at every size and slides in cleanly. The footer shows your remaining AI messages for the month and the day, so you always know where you stand. It only appears on the dashboard, and stays out of any printed or exported tax pack.

If you only have one property to refinance against, the picker disappears. The page jumps straight to the calculation. Small thing, less noise.

Big batch. Vestly is starting to feel like a real property investment platform.

Ask Vestly AI lives in the bottom-right corner on every dashboard page. Tap it and ask anything about your portfolio: "What did I save on tax this year?", "Should I refinance?", "What's coming up in the next 60 days?". It knows your full portfolio and routes you to the right tool when you need one.

Tenants and lease history. Track every tenancy you've ever had on a property. Tenant initials (we encourage privacy-first naming), lease start and end, bond amount, and where the bond is held. Old leases stay on file as history.

Plain English on the tax page. New toggle at the top of /tax. Flip it on and the page swaps jargon for plain alternatives: "Marginal rate" becomes "Your top tax bracket", "Div 43" becomes "Building depreciation", and so on. The collapsible glossary stays available either way.

Document auto-tagging. Drop a PDF or photo of a rates notice, insurance policy, or strata levy into the documents page and Vestly figures out what it is, which property it belongs to, and pre-fills a deductible expense for you to confirm.

AI-generated FY tax narrative. A two-paragraph plain-English summary of your year on the tax page. Click generate. Read your year back in clear language: what you collected, what you claimed, what you saved.

Lease end and rent review reminders by email. When a lease ends in 3 days, or has already expired, the email lands the next morning. State-compliant copy. One-click unsubscribe.

Rent payments ledger. Log each rent inflow as it lands so your cashflow is live, not estimated. Arrears detection rolls in automatically.

Sidebar tools menu. All the calculators (refinance, serviceability, rent-increase notice, depreciation upload, bulk import) now live in a collapsible "Tools" group at the bottom of the sidebar. Cleaner nav, nothing hidden.

Bank feeds waitlist. Open Banking (CDR) is coming. /settings/bank-feeds is open for the waitlist now.

Two changes that make Vestly easier to use, especially if you don''t spend your weekends reading the ATO website.

Per-property "next action" card

Every property page now opens with a single ranked recommendation. Lease ending soon? It''s the first thing you''ll see. No depreciation schedule? Same. No expenses logged this year? Same. The resolver ranks time-sensitive events ahead of completeness gaps, so you''re never juggling four amber banners trying to figure out which one matters today.

Sold or fully-set-up properties show no card. The page stays calm when there''s nothing to do.

Plain English on the tax page

A new "New to tax terms?" card sits at the top of /tax. Tap to expand and you get clear, one-sentence definitions for fourteen terms the page uses: negative gearing, marginal rate, Div 40/43, quantity surveyor schedule, ownership share, EOFY, and the rest. Collapsed by default so experienced users see a single thin row and ignore it.

No tax numbers changed. No existing pages broke. Pure additive UI.

Vestly used to drop you on the dashboard and trust you to figure out where to go next. Now the software walks you through it.

What''s new

Why this matters

Property investment software lives or dies on what you log into it. The clearer the path through the app, the more of your real numbers end up in front of you when EOFY hits. We tested this internally for two weeks and the first-month activation rate moved a lot.

Animations respect your system''s reduced-motion preference. None of this changes any existing pages or breaks any of your current data.

We've moved Vestly to a single plan: $9.90 AUD per active property per month, every feature included.

No more tiers, no upgrade prompts. Whether you track one property or ten, the price scales with you.

Cashflow, tax and CGT tracking. EOFY tax pack (PDF and CSV, split by entity). Depreciation AI ingest. AI Insights. Refinance comparison with live Big 4 rates. State-compliant rent-increase letters. Multi-entity portfolios. Three accountant seats. The full feature set, every account.

Your existing subscription continues at its current rate. If you'd like to switch to the new per-property model, get in touch and we'll sort it out.

See the full pricing details below.

New on every property: track your lease start date, lease end date, next rent review date, and bond authority reference. Vestly will quietly remind you 60, 14 and 3 days before each event so you never miss a rent review or notice deadline.

All four fields are optional. Skip them if you don't track lease dates - your existing properties keep working exactly as before.

We surface a reminder in your dashboard inbox:

Click the reminder and we'll jump you straight into the rent-increase tool with the property already selected. Generate a state-compliant rent-increase notice in seconds (Pro feature - we'll prompt to upgrade only when you actually need the letter).

Nothing changes for vacant properties or for users who don't fill in lease dates. This is a missing primitive, not a new feature you have to learn.

We polished how Vestly handles properties you have sold or removed from your portfolio.

Mark a property as sold and it instantly switches to an archive treatment:

When you delete a property, the wipe is now complete:

A new tab in Vestly: Properties for sale.

Browse a curated catalogue of Australian investment properties from the developer directly, filter by state, type, beds, price, and off-plan vs completed, then send an enquiry without leaving the app.

What's new

Why we built it Most investors are juggling six tabs across realestate.com.au, calculator spreadsheets, and broker emails. This puts a vetted set of investor-grade properties one click from your Planner.

A big batch landed today. The headline: you can now save and compare planner scenarios, see exactly what next year's cashflow looks like, and capture inspection photos straight from your phone camera.

Everything's tested. Tell us if you spot something off - we read every reply.

Tap. Snap. Done.

Vestly Pro now scans receipts. Take a photo, AI reads the amount + date + vendor in seconds, you pick the property + category, hit save - and the photo auto-attaches to your document vault. The kind of magic that used to require an accountant + a shoebox.

Manual receipt entry is the worst part of being a property investor. Hand-typing every plumber invoice, rates notice, and Bunnings docket steals 10-30 minutes a month per property. We wanted that time back for you.

If this lands well we'll extend it: bulk-receipt mode (drag a folder), scheduled bank-statement reconciliation, EOFY snapshot pack. Tell us what you'd want next - the Feedback button is on every dashboard surface.

Open Cashflow to try it

Got a Quantity Surveyor PDF? Vestly now reads it for you.

Upload your QS depreciation schedule (BMT, Washington Brown, Duo Tax, Capital Claims, etc.) and our AI extracts every Div 40 plant and equipment asset plus the Div 43 capital-works figure in 10-30 seconds. You review the extracted data on screen - edit anything that looks off, delete duplicates - then click save.

The imported figures flow straight through to your cashflow, tax position, and dashboard totals for the current financial year. Saves 1-2 hours of manual data entry per property.

Re-uploading a new schedule for the same property cleanly replaces the prior import - any depreciation expenses you added manually are untouched.

Available on the Portfolio plan ($49/mo). Free and Pro users see an upgrade prompt.

A run-through every page that hadn't been touched in a while. About two dozen small fixes and a few new bits, all driven by what makes the day-to-day flow smoother.

New

Better

Fixed

Big upgrade to the cashflow page. It used to show a flat table of net cashflow numbers - now it tells you what's actually going on with your portfolio.

An insights panel at the top. Every time you load the page, Vestly checks 14 things across your portfolio and surfaces what's worth your attention - ranked by severity. Think:

Each insight links to the place you can fix it. No reading required.

A new bar at the top shows what percentage of every $1 of rent goes back out as expenses. If it's over 100%, the colour shifts and the copy explains: you're covering the gap with negative gearing and your salary.

Each property gets a card showing income, expenses, and a stacked bar of where the money goes - loan repayment, management, rates, insurance, other. Sorted weakest cashflow first so the worst performer is at the top.

Net cashflow (monthly + weekly + annual), portfolio value, LVR, gross yield - all on one strip, colour-coded by health.

Two big upgrades to the shortlist and tax pages.

A new Compare button at the top of your shortlist lets you pick 2-4 properties and see them side-by-side. Pick what matters most - best cashflow, biggest tax saving, highest yield, lowest upfront cost, or all-round - and Vestly tells you which property wins for that goal, with the reason in plain English.

Useful when you're deciding between two listings on the weekend.

We rebuilt the tax-position math so properties acquired part-way through the financial year aren't treated as if you owned them all year. Same for properties sold mid-year.

If you bought in March, your rental income and loan-interest deduction now reflect the actual months you held the property - not a phantom 12-month figure. The negative-gearing benefit and tax saving you see on the tax page are now the real numbers.

Co-owners: depreciation now scales to your ownership share automatically. Enter the full property amount from your QS schedule and we apply your share.

There's now a "Send feedback" button right in your account menu (top-right avatar). One click opens a small form to tell us what's working, what's broken, or what you'd love to see next.

Drop us a quick rating (loving it / hitting a wall) and a message - We read every one and replies if we need more detail.

No more hunting for the contact page when you're mid-flow.

The changelog now lives one click away in your account menu. Click your avatar in the top-right and select "What's new" to see every recently shipped feature, improvement, and fix.

You'll also see a quick link to the changelog on your inbox when there's nothing pressing - a soft prompt to catch up on what's been added since you last looked.

You can now upload a PDF or photo of a receipt against any expense. Hit the paperclip on a row to attach a file - the receipt also lands in your Documents vault filed against the right property.

Future-you at tax time will thank present-you.

The expense table on each property page now uses card-style rows on mobile (no more horizontal scroll). The receipt action sits in its own column on desktop and bottom-right of the card on mobile, with proper touch-sized buttons.

Small change, much nicer on a phone.

For people who land on Vestly via a cashflow-themed ad ("rent in, mortgage out, what's the real number?"), the landing page now leads with weekly cashflow instead of tax saving. The dashboard preview adapts to match.

Same product, sharper message-to-promise match.

Enable web push in Settings to get rate-due reminders, missed-deduction alerts, and tax-time prompts on your phone or desktop - even when Vestly isn't open.

Works on Chrome, Edge, Opera, and modern mobile browsers. Apple users: Safari needs you to install the PWA from the share sheet first.

Mark an expense as monthly, quarterly, or yearly when you log it. Vestly remembers and pings you ~10 days before the next one is due.

Works great for council rates (quarterly), insurance (yearly), strata (monthly), and loan interest. Set it once.

You can change or stop a recurrence any time from the property page.