Modules

User

  • investor type
  • investor details
  • assessable income
  • allowable deductions
  • living expenses
  • financial position

Property

  • property type (home/investment)
  • property details
  • property price
  • renovations
  • holding costs
  • furniture package
  • depreciation
    • capital works
    • plant & equipment
  • purchase costs
  • cash investment
  • equity investment
  • rental income
    • including vacancy discount
    • holiday letting (e.g. Airbnb)
  • rental expenses
    • agent commission
    • letting fees
    • rates
    • insurance
    • maintenance
    • body corporate
    • cleaning
    • pest control
    • garden maintenance
    • other
    • support for recurring/one-off expenses
  • ownership percentage (e.g. joint investments)

Loan

  • loan amount
  • loan repayments (P&I and IO support)
    • IO to P&I conversion support
    • split loan support
    • line of credit/capitalised loan repayments
    • rate change support (e.g. fixed term rate converting to variable rate)
  • loan costs & write off period
  • borrowing capacity calculator
  • loan repayment calculator
  • debt service calculator

Tax

  • income tax calculator
  • stamp duty calculator
  • capital gains tax calculator
  • land tax calculator
  • NRAS support

Cashflow

  • main UI once inputs are completed
  • consolidates data from other modules
  • shows gross & net ‘bottom line’
  • ratios

Reports

  • cashflow analysis
  • investment analysis
  • projections
  • capital gains tax

Ratios

  • gross yield & net yield
  • Loan-Value Ratio
  • Debt Service Ratio