🇦🇺 Built for Australian Property Investors

Know exactly when you can retire from property.

The only tool that models your entire portfolio — across multiple properties, ownership structures, SMSF, and tax — and tells you your real retirement number.

Try It Free → See how it works
🔒 Not financial advice
🏦 CPA-verified calculations
⚡ No signup to try
🏖️ Retirement Pot: $4.2M
📈 SMSF Growing at 7%
Portfolio Overview — 6 Properties
● Live
Portfolio Value
$5.8M
Total Equity
$3.2M
Weekly CF
+$1,240
Avg Yield
4.8%
Equity by Structure
Personal
$1.8M
SMSF
$820k
Trust
$380k
🏖️ Retirement Pot in 12 Years
$4.2M
~$14,000/mo for life at 4% drawdown
The Problem

Property investors are flying blind at retirement.

You've spent years building a portfolio. But when it's time to plan retirement, every tool falls short.

🏦
Bank calculators ignore tax
Basic mortgage calculators don't account for negative gearing, depreciation, CGT discounts, or SMSF contribution tax. Your real number is completely different.
💸
Financial advisers charge thousands
A Statement of Advice covering your property portfolio, SMSF, and retirement projections costs $3,000–$10,000. And it's a snapshot, not a live model.
🧩
No tool handles multiple structures
You hold properties in your name, a trust, and an SMSF — but no tool models all three together with the right tax treatment for each.
📊
Spreadsheets break and drift
You've built your own spreadsheet but it takes hours to update, doesn't handle CPI, and you're never sure the tax formulas are still correct after rule changes.
🎯
No retirement income simulation
The real question is "if I sell and put everything in a term deposit, can I live off the interest?" Nobody answers this with your actual numbers.
⏰
Decisions delayed by uncertainty
Without clear numbers, investors hold on too long, sell at the wrong time, or miss the SMSF contribution window — because nobody told them the real deadline.
What PropRetire does

Everything a CPA would model. Instantly.

Built by an accountant who owns 6 properties. Every calculation is one a financial adviser would actually run.

01
Multi-Structure Portfolio
Model properties held personally, in a company, trust, or SMSF — each with the correct tax rate, CGT treatment, and cash flow calculation.
Personal · Company · Trust · SMSF
02
Real Household Cash Flow
Combines all investor incomes, living expenses, and property cash flow (residential + investment) to show your true monthly surplus.
Up to 4 investors
03
SMSF Modelling
Correct 15% contributions tax on concessional super, $30k annual cap, employer SG at 12%, and 7% projected growth compounded annually.
2025-26 rules
04
CGT Calculator
Full CGT with 50% individual discount, SMSF pension phase (0% CGT), accumulation phase (10% effective), stamp duty cost base inclusion.
All structures
05
Offset Account Optimiser
Allocates annual surplus to offset accounts — residential priority first — and calculates exact interest saved per property per year.
Includes in retirement pot
06
FD Retirement Simulator
Sell everything, put it in a term deposit, set your monthly income target — see exactly how long the corpus lasts with 5% CPI growth eating into interest.
CPI-adjusted · Year by year
07
Age-Based Retirement Horizon
Set current age and target retirement age per investor. Portfolio automatically calculates the projection period — no more guessing 10 or 20 years.
Per investor
08
Sale Projections per Property
For each property, model sale in 1, 3, 5, or 10 years. See sale price, CGT, net proceeds, cumulative cash flow, and total return side by side.
All ownership structures
09
AI Investment Advisor
Ask any question about your property — should I buy, what are the risks, how do I improve cash flow — and get an instant, contextual answer.
Powered by Claude AI
How it works

From zero to retirement number in 10 minutes.

1
Add Your Properties
Enter each property — price, rent, loan, ownership structure, offset account, years owned.
2
Set Investor Details
Add income, super, age, and target retirement age for each investor in the household.
3
See Your Retirement Pot
Instantly see property proceeds + surplus + SMSF + offset savings combined into one total.
4
Simulate Retirement Income
Set your monthly spend target and watch the FD simulator show exactly how long your money lasts.
Early users

What property investors are saying.

★★★★★
"I've been trying to model this in Excel for three years. This tool did it in 10 minutes and the SMSF calculation is actually correct — I checked it against my accountant."
MK
Michael K.
5 properties · Sydney
★★★★★
"The retirement simulator is the feature I didn't know I needed. Seeing that my corpus runs out at year 22 at my current spend was a wake-up call that changed my strategy."
SL
Sarah L.
3 properties · Melbourne
★★★★★
"Finally something that handles trust and personal name properties in the same view. The CGT split between structures alone is worth the subscription price."
RB
Rob B.
7 properties · Brisbane
Simple pricing

Less than one hour of adviser fees.

A financial adviser charges $300–500/hour. PropRetire costs less per month than one phone call.

Starter
Free
forever · no card required
  • 1 property analysis
  • Basic cash flow calculator
  • Stamp duty calculator
  • CGT calculator
  • AI advisor (5 questions/day)
Get started free
Most Popular
Pro Investor
$39
per month · cancel anytime
  • Unlimited properties
  • All ownership structures
  • Full portfolio dashboard
  • SMSF modelling (15% tax)
  • FD Retirement Simulator
  • Offset account optimiser
  • Age-based retirement horizon
  • AI advisor (unlimited)
  • PDF export — coming soon
Start 14-day free trial
Adviser / Broker
$149
per month · per practice
  • Everything in Pro
  • Up to 20 client portfolios
  • White-label with your branding
  • Client sharing links
  • Priority support
  • Custom onboarding
Contact us
P R
🎓 CPA Accountant
🏠 Property Investor
💻 IT Professional
Why I built this
"I own 6 properties across multiple structures. I couldn't find a single tool that gave me my real retirement number."

As a CPA, I knew the calculations. As an IT professional, I could build the tool. As a property investor, I knew exactly what questions needed answering. After years of maintaining a complex spreadsheet and paying for advice I could validate myself, I built PropRetire.

Every calculation in this tool has been reviewed against ATO guidelines and real financial planning standards. This isn't a generic calculator — it's the tool I use for my own portfolio.

PropRetire Founder
CPA · Property Investor · IT Professional · Australia
Ready to know your number?

Your retirement pot is bigger
than you think.

Most property investors underestimate their retirement wealth by 30–40% because they don't account for SMSF growth, offset savings, and correct CGT treatment.

Calculate My Retirement Number → See all features

No credit card required · Takes 10 minutes · Not financial advice

PropRetire — Australian Property Retirement Planner ← Back to home
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