Ready for you to submit.
Professional help stays optional.
Vestly organises and validates supported records all year, then shows what you still need to review. You verify the final figures and choose whether to self-lodge or involve a registered tax agent.
Your accountant
A registered tax agent can give personal tax advice and lodge your return when engaged. They apply their own professional judgement to their work; they do not sign off on Vestly's work.
Vestly
The year-round system that tracks cashflow, deductions, CGT and depreciation using supported FY 2026-27 rules. It builds a pack for you to review and verify, with optional download or read-only sharing.
Accountant alone vs accountant + Vestly
Vestly fills the year-round record-readiness gap. Professional advice and lodgement remain separate, optional services.
Lodging your tax return
Accountant alone
A registered tax agent lodges if you engage one
Accountant + Vestly
Self-lodge or engage a registered tax agent - your choice
Personal tax advice + judgement
Accountant alone
A registered tax agent advises within your engagement
Accountant + Vestly
Vestly flags professional-judgement items; it does not decide them
How often you see the numbers
Accountant alone
Once a year, in arrears, at the appointment
Accountant + Vestly
Live, every day, as you log expenses
Tracking deductions through the year
Accountant alone
On you - receipts in a folder or a spreadsheet
Accountant + Vestly
Captured and categorised as they happen
Live negative-gearing tax-saving estimate
Accountant alone
Not until the return is prepared
Accountant + Vestly
Estimated live on FY 2026-27 ATO brackets
Depreciation (Div 40 + Div 43)
Accountant alone
Applied at tax time from a QS schedule
Accountant + Vestly
Tracked all year, ready for the schedule
CGT before you sell
Accountant alone
Modelled when you ask (extra billable time)
Accountant + Vestly
Estimated in-product with the 50% discount
Tax-time preparation
Accountant alone
You reconstruct a year of records first
Accountant + Vestly
Supported records organised in an FY tax pack for your review
Getting return-ready
Accountant alone
You prepare records in the format requested
Accountant + Vestly
Supported records and evidence organised and checked for you
Cost
Accountant alone
$200-$400/hr, mostly at EOFY
Accountant + Vestly
Accountant fees + Vestly (A$12/mo, or A$16/mo with the pack)
| What you get | Accountant alone | Accountant + Vestly |
|---|---|---|
| Lodging your tax return | A registered tax agent lodges if you engage one | Self-lodge or engage a registered tax agent - your choice |
| Personal tax advice + judgement | A registered tax agent advises within your engagement | Vestly flags professional-judgement items; it does not decide them |
| How often you see the numbers | Once a year, in arrears, at the appointment | Live, every day, as you log expenses |
| Tracking deductions through the year | On you - receipts in a folder or a spreadsheet | Captured and categorised as they happen |
| Live negative-gearing tax-saving estimate | Not until the return is prepared | Estimated live on FY 2026-27 ATO brackets |
| Depreciation (Div 40 + Div 43) | Applied at tax time from a QS schedule | Tracked all year, ready for the schedule |
| CGT before you sell | Modelled when you ask (extra billable time) | Estimated in-product with the 50% discount |
| Tax-time preparation | You reconstruct a year of records first | Supported records organised in an FY tax pack for your review |
| Getting return-ready | You prepare records in the format requested | Supported records and evidence organised and checked for you |
| Cost | $200-$400/hr, mostly at EOFY | Accountant fees + Vestly (A$12/mo, or A$16/mo with the pack) |
When an accountant alone is enough
- You own one simple property, positively or neutrally geared, and keep tidy records yourself.
- You are happy to reconstruct the year from a basic spreadsheet once, and do not need to watch your position in between.
- You have no near-term sale, so there is no CGT to model before you decide.
- Your structure is straightforward - held in your own name, no trust, company, or SMSF layer to track.
If that is you, keep doing what works. Vestly earns its place by having the records sorted before you hand anything over.
What Vestly adds when you keep your accountant
- Supported expenses captured as you enter them, with missing evidence and unresolved items kept visible for review.
- An FY tax pack - income, deductions, interest, depreciation, and CGT position - exported as PDF or CSV for your review.
- Optional professional access so a tax agent can review the records you choose to share.
- Live cashflow and negative-gearing estimates on the current ATO FY 2026-27 brackets, all year, not just at lodgement.
- Depreciation (Div 40 + Div 43) and CGT (50% discount) tracked on the property all year, not reconstructed in October.
- The record-sorting is done before you sit down to lodge. If you do engage a professional, their fees still depend on your circumstances and engagement.
Do I need an accountant, software, or both?
Do I need an accountant for my investment property?
It depends on your circumstances and confidence. Vestly organises and validates supported records, then you review and verify the final figures. You can self-lodge or engage a registered tax agent for personal advice, complex matters or lodgement. Vestly flags professional-judgement items but never asks a professional to sign off on its work.
Property investment accountant vs software - which do I choose?
Vestly handles the record-readiness job throughout the year: capturing expenses, applying supported FY 2026-27 rules, surfacing estimates and finding missing evidence. A registered tax agent handles personal advice and lodgement if you engage one. You decide whether you need both; Vestly does not make that decision for you.
Will Vestly replace my accountant?
Vestly replaces neither professional judgement nor personal tax advice. It is software that organises and validates supported records. You remain responsible for reviewing and verifying the final figures, whether you self-lodge or engage a registered tax agent.
Do I still have to sort a year of records myself?
No. That is the job Vestly does. Income, expenses, evidence, depreciation, interest and CGT records are captured and categorised as the year goes, then organised into an FY pack for you to review and verify, with anything unresolved shown rather than hidden. What you end up with is prepared work you can lodge from, not a shoebox. If you do engage a registered tax agent, their fees and scope still depend on your circumstances, so Vestly does not promise a particular saving.
Can I share my Vestly data directly with my accountant?
Yes. Download your FY tax pack as a PDF or CSV, or share a read-only view. Sharing is optional. You review and verify the final figures first, and the professional applies their own judgement to the work they are engaged to perform.
When is an accountant alone enough, without software?
If you own a single, simple, positively or neutrally geared property and already keep tidy records yourself, you may not need software at all. Software earns its keep as complexity grows - multiple properties, depreciation schedules, a sale with CGT to model, co-ownership, or a trust or SMSF structure - where tracking live across the year prevents missed deductions and tax-time surprises.
Know what is ready before you lodge or share.
Track each property, expense and supporting record all year. Vestly organises supported figures, flags unresolved items, and builds a pack for you to review and verify. A$16/month with the tax pack generates yours with downloads and optional sharing.
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