PropPlan - The Decision Engine for Australian Property Investors

Decision Tools for Australian Property Investors

• Should I Sell? - Calculate your true walk-away number including CGT with 50% discount, selling costs, and net proceeds.
• Can I Buy Another? - Model equity unlock across your portfolio and see exactly how much borrowing capacity you have.
• What If Rates Rise? - Stress test your portfolio against rate increases and see monthly impact.
• How Do I Improve Cashflow? - See exactly how much rent increase or rate reduction you need for positive cashflow.

Complete Property Portfolio Management

• Portfolio Command Centre - Total portfolio value, available equity, monthly cashflow, and LVR at a glance.
• Tax Intelligence - Negative gearing benefits, deductions breakdown, and estimated tax refund calculations.
• Never Miss a Date - Automatic alerts for fixed rate expiry, lease renewals, and insurance renewals.
• Document Storage - Store contracts, maintenance records, and property files in one place.

Portfolio Intelligence — PropLevel

• Freedom Score - A 0–100 score measuring how close your portfolio is to replacing your income with property.
• Readiness Score - A tactical 0–100 score analysing equity, cashflow, rate exposure, and timing to tell you when to act.
• Decision Snapshot - Download a one-page branded PDF summarising both scores, key drivers, and portfolio metrics. Share with your advisor, broker, or accountant.
• Freedom Plan - Our algorithm finds the optimal sell-to-keep strategy—factoring in CGT, selling costs, and projected growth—to maximise your debt-free rental income.
• SMSF Support - SMSF properties tracked separately with 15% flat tax rate and 33.33% CGT discount, correctly excluded from personal equity and PropLevel calculations per ATO rules.

For Buyers Agents & Brokers

• Client Engagement - Keep clients engaged post-settlement with PropLevel scores that track their progress toward financial freedom.
• Decision Ready - The Decision Snapshot PDF gives clients a reason to come back when market conditions are right to act.
• Self-Serve - No white-labelling needed. Clients self-serve on PropPlan and return to you when they're ready to make their next move.

Frequently Asked Questions

What is PropPlan?

PropPlan is a decision engine for Australian property investors. It helps you answer critical questions like 'Should I sell?', 'Can I buy another property?', and 'What happens if interest rates rise?' with real-time calculations and Australian tax rules built-in.

How does PropPlan calculate Capital Gains Tax?

PropPlan calculates CGT using Australian Tax Office rules. It includes the cost base (purchase price, stamp duty, legal fees, improvements), applies the 50% CGT discount for properties held over 12 months, and calculates the tax based on your marginal tax rate.

What is negative gearing?

Negative gearing occurs when your property expenses exceed rental income, creating a tax-deductible loss. PropPlan tracks all deductible expenses, calculates your net rental position, and shows your estimated tax refund based on your marginal tax rate.

Is PropPlan free to use?

Yes, PropPlan is free to start — no credit card required.

What is PropLevel and how does it work?

PropLevel gives you two scores: your Freedom Score (0–100) measures how close your portfolio is to replacing your income with property, while your Readiness Score analyses equity, cashflow, rate exposure, and timing to tell you if conditions are right to make your next move. You can download a one-page Decision Snapshot PDF summarising both scores and share it with your advisor.

I don't own any investment properties yet — can PropPlan help me?

Absolutely. PropPlan's Freedom Simulator lets you model hypothetical property purchases — set the price, rent, loan, and interest rate — and instantly see how many properties you'd need to reach financial freedom.

How do the Decision Lab, Stress Test, and PropLevel work together?

Together they form the complete Decision Engine. The Decision Lab answers tactical questions (sell or hold? buy another?). The Stress Test checks your portfolio's resilience against rate rises. PropLevel tracks your long-term progress toward financial freedom.

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Join Australian property investors who've replaced spreadsheets and gut feel with clarity and confidence.