Built for Aussie investors

Your Australian property portfolio, finally tracked properly.

Cashflow, tax, CGT, and the ATO-ready tax pack - in one place. Free during early access.

5.0 from early usersNo credit cardATO-aligned
app.vestly.au

Portfolio value

$1,270,000

Total equity

$490,000

Net cashflow

−$460/mo

14 Maple Street, Brisbane QLD

House · 4 bed 2 bath · $380k loan · 4.5% yield

+$137/mo

3/22 Beach Road, Gold Coast QLD

Unit · 2 bed 1 bath · $416k loan · 5.2% yield

−$597/mo

Net cost after tax benefit ($461/mo)

~$0/mo

Interactive demo. Click the tabs to explore.

ATO FY 2025–26 tax brackets
Negative gearing & depreciation
CGT with 50% discount
Refinance & serviceability
State-compliant rent notices
Tax pack for your accountant
Cashflow tracking

See exactly what each property earns, down to the dollar

Vestly calculates your real monthly cashflow after mortgage repayments, management fees, council rates, strata levies, insurance, and maintenance. No end-of-year surprises.

  • Every expense category broken down per property
  • Positive vs. negative gearing status at a glance
  • After-tax cashflow factoring in your gearing benefit
14 Maple Street, Brisbane QLDPositive cashflow
Weekly rent (×52 ÷ 12)+$2,817/mo
Mortgage repayment (P&I)−$2,200/mo
Property management (8%)−$208/mo
Council rates & insurance−$180/mo
Maintenance reserve−$92/mo
Net monthly cashflow+$137/mo

Without properties

Employment income$135,000
Rental income-
Taxable income$135,000
Tax payable$37,767

With properties ✓

Employment income$135,000
Net rental loss−$14,200
Taxable income$120,800
Tax payable$32,229

You save this financial year

Automatically calculated · ATO FY 2025–26

$0

$0 per month

Tax & negative gearing

Know your exact tax saving before June 30

Enter your employment income and Vestly calculates your precise negative gearing benefit using the ATO's current tax brackets. No accountant needed for the basics.

  • ATO FY 2025–26 income tax brackets built in
  • Combined income + rental loss calculation
  • See your effective tax rate before and after gearing
Property planner

Model any property before you commit

Before you sign a contract, run the numbers. Enter a purchase price, weekly rent, and interest rate to get instant cashflow, stamp duty, upfront costs, and full tax impact for any state.

  • Accurate stamp duty for all 8 states & territories
  • P&I vs. interest-only cashflow comparison
  • Annual tax saving from negative gearing at your income level
Try the planner free
Property Planner

Purchase price

$650,000

Weekly rent

$490/wk

Interest rate

6.50%

State

QLD

Monthly cashflow−$284/mo
Gross rental yield3.9%
Stamp duty (QLD)$22,775
Total upfront costs$87,775
Annual tax saving (your bracket)$4,120/yr

Everything in one place

Purpose-built for Australian investors. No bloat, no generic finance tools repackaged.

Real-time cashflow

Per-property monthly cashflow after mortgage, management fees, rates, and maintenance.

Tax & negative gearing

ATO-aligned FY 2025-26 tax calculations. See your exact tax saving in dollars.

Property planner

Model any property before buying. Cashflow, stamp duty, rate stress test, and tax impact for every state.

Property shortlist

Save every property you're considering and compare cashflow, yield, and tax side-by-side.

Inspection diary

Log every open home. Searchable notes, asking price, and rent estimates - one place for your research.

AI property insights

COMING SOON

Coming soon. Ask anything about your portfolio and get answers grounded in your real numbers, not generic scripts.

CGT calculator

Model a future sale. Instant capital gains tax with the 50% CGT discount applied.

Refinance comparison

Enter a new rate and instantly see annual savings, break-even on switching fees, and after-tax impact.

Borrowing capacity

Bank-style serviceability with the APRA buffer, shaded rental income, and existing loan commitments. Know before you ask a broker.

Rent increase notices

Generate a state-compliant rent increase letter with the correct minimum notice period and frequency rules.

ATO-ready tax pack

One-click FY report with deduction subtotals, interest breakdown, depreciation schedules, and CGT events. Hand it straight to your accountant.

Smart reminders

Never miss a lease expiry, insurance renewal, rent review, or land tax season. Vestly surfaces what needs action this month.

Document vault

Store leases, depreciation schedules, and insurance policies. Expiry alerts included.

Up and running in minutes

Three steps and your whole portfolio is tracked.

01

Add your properties

Enter purchase price, loan details, weekly rent, and ownership split. Takes about 2 minutes per property.

02

Set your employment income

Add your salary so Vestly can calculate your exact negative gearing benefit and after-tax cashflow.

03

Track everything

Log expenses, monitor cashflow, model future purchases and print tax reports. All from one clean dashboard.

What investors are saying

From first-time investors to seasoned landlords across Australia.

I've been running a spreadsheet for six years. Vestly replaced it in an afternoon. The negative gearing calculation alone has saved me hours at tax time. I found out two of my four properties are actually cash positive.

J

James M.

Sydney, NSW · 4 properties

My accountant asked how I'd calculated my depreciation summary so neatly. I told her I used Vestly. She asked me to recommend it to her other investor clients.

S

Sarah K.

Melbourne, VIC · 2 properties

The property planner is a game-changer. I modelled three different suburbs before buying my third property and ran the cashflow, stamp duty, and tax impact on all of them before I put in a single offer.

D

David R.

Brisbane, QLD · 3 properties

The CGT calculator saved me a $400 accountant bill. I modelled the sale of my unit and got the liability, remaining depreciation, and cashflow impact in seconds.

E

Emma T.

Perth, WA · 2 properties

Finally understand what my portfolio is actually costing me vs. what the ATO gives back. The tax saving number is eye-opening. Wish I'd had this when I bought my first investment.

M

Michael C.

Gold Coast, QLD · 5 properties

Super clean and easy to use. I check my cashflow every week now instead of dreading the end of year reconciliation. The document vault alone is worth it. No more hunting for old leases.

L

Lisa W.

Adelaide, SA · 2 properties

Your portfolio is working.
Make sure you are too.

Stop guessing what your investment properties actually earn. Join Australian investors who track every dollar with Vestly.

Get started for free

Questions? Get in touch