Your spreadsheet can't estimate your tax saving.
Excel and Google Sheets were never built for Australian investment property tax. Vestly was. It reads the ATO rules for you and shows your live tax saving, so one wrong formula never compounds for years.
From A$12/month · A$16/month with the tax pack
| 11 | Water | 184.35 |
| 12 | Insurance | 1,296.40 |
| 13 | Plumber | 380.00 |
| 14 | Tax saving | #REF! |
Vestly
Tax position, FY 2026-27
Computed from 41 records at current ATO rates. 2 lines still need evidence before you lodge.
The free rental property spreadsheet, FY 2026-27
Properties, income, expenses and a summary that totals the year by category and by property. The expense categories are the ATO rental schedule lines, so nothing lands in the wrong column. Emailed to you as an Excel file that also opens in Google Sheets and Numbers.
Stop wrestling with formulas.
Vestly tracks every expense and every deduction on your rental, with ATO-aligned calculations and future rule updates included. Core covers portfolio tracking; Pro adds your generated EOFY pack and supporting AI tools.
14-day trial, no card needed to start. Cancel any time. For eligible new customers on selected plans; confirm your terms before starting.
Setup time
Real cashflow per property
Negative gearing tax saving
CGT on a sale
Depreciation (Div 40 + 43)
Multiple properties
Ready-to-submit pack
Updates when ATO rules change
Errors
Cost
| Feature | Your spreadsheet | Vestly |
|---|---|---|
| Setup time | Hours of formula building | 2 minutes per property |
| Real cashflow per property | Manual + error-prone | Automatic, every expense |
| Negative gearing tax saving | "I think it's about $X" | Exact $ for FY 2026-27 |
| CGT on a sale | Need a separate calculator | Built-in with 50% discount |
| Depreciation (Div 40 + 43) | Often forgotten | Tracked automatically |
| Multiple properties | A new tab each time | Every property in one dashboard |
| Ready-to-submit pack | Manual assembly | PDF or CSV in one click |
| Updates when ATO rules change | You update them manually | Updated automatically |
| Errors | #REF! · #DIV/0! · #VALUE! | None |
| Cost | Free (your time) | A$12/mo, or A$16/mo with the pack |
Seen enough? Your properties come across from a CSV, and the spreadsheet stays exactly where it is.
Move off my spreadsheetWhat a spreadsheet can’t do for you
Vestly applies ATO FY 2026-27 brackets, every state’s stamp duty schedule, Div 40 plus Div 43 depreciation, and the 50% CGT discount automatically, then keeps them current when the rules change on 1 July. A blank Excel sheet does none of that, and nobody updates it when the brackets move.
- FY 2026-27
- ATO aligned
- 8
- states + territories
- 18
- deduction types
- Div 40+43
- depreciation
Spreadsheet vs Vestly: common questions
Can a spreadsheet calculate my negative gearing tax saving?
A spreadsheet can only calculate what you build into it by hand, and it does not know the current ATO tax brackets, the Medicare Levy, or your marginal rate. Vestly estimates your negative gearing tax saving live as you log expenses, using the FY 2026-27 brackets with the Stage 3 cuts applied.
Why move my property tracking off Excel or Google Sheets?
A spreadsheet cannot stay current with ATO rules, applies the wrong depreciation or stamp duty if a formula is off, and one bad cell reference quietly compounds for years. Vestly keeps the rules current across all 8 states and territories, so your numbers stay right when the law changes each 1 July.
Will I lose my existing spreadsheet data?
No. You can import your properties from a CSV in a few minutes, so you are not retyping anything. Your spreadsheet stays exactly as it is if you want to keep it as a backup.
Is Vestly harder to use than a spreadsheet?
It is simpler for the things that matter. There are no formulas to maintain and no broken references at tax time. You add a property in about two minutes, log expenses as they happen, and the cashflow, depreciation, CGT and tax-saving numbers update for you.
My spreadsheet is free. Why pay for Vestly?
Vestly starts at A$12/month - every future ATO update included - and a spreadsheet still cannot estimate your tax saving live or keep itself current when the rules change. The difference that matters at lodgement is evidence. In June 2024 the ATO said the majority of rental property owners are making errors in their tax returns, despite 86% using a registered tax agent, and that if you do not have sufficient records, you cannot claim it. A spreadsheet holds numbers; it does not distinguish confirmed records from estimates, missing evidence and unresolved questions. Vestly does, and its readiness questions, checks and verification come with Core. Vestly Pro ($16/month) generates yours from your records, unlocks downloads and optional sharing, and includes 12 months of the supporting AI tools. You review and verify the final figures. The cost may be deductible depending on how you use Vestly; check with a tax professional.