Frequently asked questions

Yes. Vestly hosts a curated catalogue of Australian investment properties direct from developers. Filter by state, property type, bedrooms and price ceiling, see projected weekly rent and gross yield on every card, and use the one-tap 'Run your own numbers' link to open the Planner with the listing's price and state pre-filled. Enquiries go straight to the developer - no rep in the middle, no marketing list. Browsing the catalogue is included with your Vestly plan, which is $9.90 per active property a month.

Vestly is $9.90 AUD per active property per month, GST included - every feature and every future ATO update included, cancel anytime. You start with a 7-day free trial, and because it is software you use for your investments, it is generally tax-deductible to you. We email you 2 days and 1 day before the trial ends, so you are never charged by surprise. The public calculators (negative gearing, yield, stamp duty, CGT, upfront costs) stay free without an account. One missed depreciation claim usually costs more than a year of Vestly.

No. Some competitors charge upwards of $365 just to onboard. Vestly is $9.90 per active property per month, full stop - no setup fee, no onboarding charge. You start with a 7-day free trial, $0 today, and you can cancel anytime from the billing page. We email you 2 days and 1 day before it ends so there is no surprise charge.

Vestly is built for Australian residential property investors, whether you own one investment property or a large portfolio. It suits investors who are time-poor, currently rely on a spreadsheet, and want a clear cashflow and tax picture without missing deductions. All tax calculations are aligned with ATO rules for the current financial year (FY 2025-26) across all 8 states and territories. It is not built for renters, commercial investors, or non-residents.

You enter your employment income and Vestly calculates your total taxable income by adding rental income and subtracting deductible expenses (including loan interest, rates, management fees, depreciation, and more). It then estimates your tax payable using the current ATO individual tax rates and shows your tax saving from negative gearing.

No. Vestly is a planning and tracking tool, not a registered tax agent or licensed financial adviser. Every figure is an estimate calculated from the data you enter and the ATO's published FY 2025-26 schedules. For your actual tax return, and for personal financial advice, consult a qualified Australian accountant or adviser.

Enter a hypothetical sale price and selling costs. Vestly calculates your capital gain (sale proceeds minus cost base), applies the 50% CGT discount if the property has been held for more than 12 months, then estimates the additional tax payable at your marginal rate.

AI Insights is live. It has access to your real portfolio data (cashflow, tax position, LVR, yields, properties, expenses) and answers plain-English questions like 'Which property has the worst yield?' or 'How much would I save if I raised rent by $50/week?' Specific answers based on your actual numbers, not generic advice. Subscribers get 50 AI messages per active property per month (one property = 50/mo, five properties = 250/mo). Unsubscribed visitors get 3 lifetime messages to try it. Built on Claude Sonnet 4.6 with strict prompt injection defense and 'never make up numbers' grounding rules.

Yes. Vestly is hosted on Australian servers (Sydney) with row-level security, so your data is isolated from other users at the database level. File storage uses private buckets with short-lived signed URLs. We never sell or share your data.

Yes, there is no limit on the number of properties you can add. The portfolio dashboard aggregates cashflow, equity, yield, and tax across all of them.

Council rates, water rates, strata/body corporate, insurance, repairs & maintenance, property management, advertising, cleaning, gardening, pest control, land tax, legal/accounting fees, depreciation (Div 40 and Div 43), loan interest, and other.

Yes. From the Reports page you can print or save a PDF of your full FY tax summary (the Tax Pack, organised by ATO deduction category with interest totals, Div 40/43 depreciation, and CGT events), or download a CSV of all expenses, already formatted for your accountant.

Pick a property and enter a new rate. Vestly shows your new P&I repayment, monthly and annual savings, break-even point including switching fees, and 10-year net savings. It also flags that your deduction drops when the rate does, so you see the real after-tax saving.

Yes. The serviceability calculator models bank-style borrowing capacity using the APRA buffer (assessment rate ~9% rather than your actual rate), shades rental income to 80%, and factors in existing loans and credit card limits. It is indicative, not a pre-approval, but gets you close to what a broker will quote.

Yes. Pick the property, set the new weekly rent and effective date, and Vestly generates a print-ready notice with the correct minimum notice period and frequency rules for your state (NSW, VIC, QLD, WA, SA, TAS, ACT, NT).

Yes. The dashboard shows upcoming reminders for lease expiries, insurance renewals, rent reviews, refinance opportunities (rates above 6.8%), and land tax season for NSW/VIC/QLD/SA based on when notices are typically issued.

Yes. Every property has an ownership percentage. Cashflow, equity, deductions, and tax figures throughout the app are all calculated against your share. Your tax pack also labels ownership % and ownership structure so your accountant can match it to your return.

Not hard, and you do not start from scratch. On the Properties page click "Import", download the template, paste in your existing CSV, Excel or even a Word table, and bulk import up to 200 properties at once. Each row is validated and a preview shows exactly what will be imported before anything saves. Most people are up and running in about ten minutes. Unlike a spreadsheet, Vestly then keeps your tax brackets, stamp duty and depreciation current so one stale formula does not quietly cost you for years.