# PropPlan - The Decision Engine for Property Investors

> PropPlan helps Australian property investors make confident decisions about their portfolio. Answer questions like "Should I sell?", "Can I buy another?", and "What if rates rise?" with real-time calculations and indicative CGT, negative gearing, and tax modelling.

## About PropPlan

PropPlan was born out of frustration. The founder, a property investor himself, was tired of drowning in spreadsheets, waiting weeks for answers from accountants, and making decisions based on gut feel rather than clarity. Building wealth through property shouldn't be so complicated. PropPlan is the answer to that problem—built to give property investors the clarity they need to make confident decisions, in minutes not weeks.

PropPlan is a web application designed specifically for Australian property investors who want clarity on their portfolio decisions. Instead of relying on spreadsheets, accountants, or gut feel, users can run sophisticated financial simulations in minutes.

## Core Features

### Decision Lab
Interactive simulators that answer the biggest questions property investors face:

- **Should I Sell?** - Calculate your true walk-away number including Capital Gains Tax (CGT) with 50% discount for holdings over 12 months, selling costs, and net proceeds
- **Can I Buy Another?** - Model equity unlock across your portfolio and calculate borrowing capacity for the next property purchase
- **What If Rates Rise?** - Stress test your portfolio against interest rate increases, see monthly impact and get recommendations to cover shortfalls
- **How Do I Improve Cashflow?** - Calculate exactly how much rent increase or rate reduction is needed to turn negative gearing into positive cashflow

### Portfolio Command Centre
- Total portfolio value tracking
- Available equity calculation (at 80% LVR)
- Monthly cashflow across all properties
- Loan-to-Value Ratio (LVR) monitoring
- Property-by-property breakdown

### Tax Intelligence
- Negative gearing benefit calculations
- Deductions breakdown
- Estimated tax refund calculations
- Accountant-ready export reports
- Australian Tax Office (ATO) CGT rules built-in

### Property Management
- Maintenance tracking and records
- Document storage (contracts, records)
- Lease renewal date alerts
- Insurance renewal reminders
- Fixed rate expiry notifications

## Target Audience

Australian property investors who:
- Own one or more investment properties
- Want to understand their portfolio's financial position
- Need to make decisions about buying, selling, or refinancing
- Want to optimize their tax position
- Need to track important dates and documents

## Key Differentiators

1. **Australian-specific**: Built-in ATO tax rules, CGT calculations with 50% discount, and negative gearing
2. **Decision-focused**: Not just tracking, but actionable insights and scenario modeling
3. **Real-time calculations**: Instant answers without waiting for accountant appointments
4. **Privacy-first**: User data is securely stored and never shared

## Technical Details

- Web application built with React
- Responsive design for desktop and mobile
- Secure authentication system
- Real-time data synchronization
- PDF export for reports

## Getting Started

1. Sign up for free (no credit card required)
2. Add your properties (takes under 2 minutes per property)
3. View your dashboard with instant portfolio insights
4. Run simulations to make confident decisions

## Contact

Website: https://www.propplan.com.au
Status: Currently in Beta (free to use)

## Documentation

For detailed documentation, see: https://www.propplan.com.au/llms-full.txt