Frequently asked questions

Yes, Vestly is completely free right now. We're in early access and want investors to get value before we introduce paid plans. When we do, you'll get at least 30 days' notice and a fair transition.

Australian residential property investors, whether you have one investment property or a large portfolio. All tax calculations are aligned with ATO rules for the current financial year (FY 2025-26).

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 provides estimates based on the data you enter. It is a planning and tracking tool, not a substitute for a registered tax agent. Always consult a qualified accountant for your actual tax return.

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 coming soon. When live, it will have access to your real portfolio data and answer 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. In the meantime, every calculator in Vestly is built around your live portfolio so you can get those answers yourself in a few clicks.

Yes. Vestly is built on Supabase with row-level security. 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.

Yes. On the Properties page click "Import CSV", download the template, fill it in, and bulk import up to 50 properties at once. Each row is validated and a preview shows what will be imported.