🇦🇺 Property Modelling Tool for Australian Investors
Model your property portfolio. See the numbers clearly.
Enter your properties, income, and loan details — PropRetire models cash flow, estimated cash flow positions, CGT, and SMSF across multiple ownership structures so you can see your numbers clearly before speaking to your adviser.
🔒 Modelling tool only — not financial advice
📋 Always consult your licensed adviser
⚡ 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%
🏖️ Est. Retirement Pot in 12 Years
$4.2M
~$14,000/mo at 4% drawdown · illustrative modelling only
The Challenge
Understanding your property numbers takes time and the right tools.
You've spent years building a portfolio. Before meeting with your adviser, having clear, organised numbers makes every conversation more productive.
Basic calculators miss the full picture
Mortgage calculators don't model negative gearing, depreciation, CGT discounts, or SMSF contribution tax. PropRetire brings all of these into one place so you can see a more complete picture.
Hard to see the full portfolio picture
When your properties span different ownership structures — personal, trust, SMSF — it's difficult to see how they all work together. PropRetire models them in one view so you arrive at adviser meetings better prepared.
Spreadsheets don't handle structure complexity
Modelling properties across personal, trust, and SMSF structures in a spreadsheet is error-prone and hard to maintain. PropRetire applies the correct tax treatment to each structure automatically.
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.
Hard to visualise retirement income
Seeing how long a portfolio corpus lasts at different spend levels — adjusted for inflation — requires complex modelling. PropRetire's retirement simulator lets you explore these scenarios with your own numbers.
Better prepared for adviser conversations
Walking into an adviser meeting with modelled numbers — cash flow, CGT estimates, SMSF projections — means more productive conversations and better use of your adviser's time.
What PropRetire models
Organised property modelling. All in one place.
Built by a CPA and property investor. PropRetire is a modelling tool — not financial advice. Always take your outputs to a licensed financial adviser before making decisions.
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 Property Analyser
Ask questions about your property data — explore cash flow factors, yield drivers, and scenario inputs. General information only. Always consult a licensed adviser for financial decisions.
Powered by Claude AI
How it works
From zero to a modelled retirement picture 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 Modelled Retirement Position
View property proceeds, surplus, SMSF, and offset savings combined — all clearly labelled as illustrative modelling to discuss with your adviser.
4
Explore Retirement Income Scenarios
Set a monthly spend target and the FD simulator models how long a corpus could last — a useful starting point for retirement planning conversations.
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."
★★★★★
"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."
★★★★★
"Finally something that handles trust and personal name properties in the same view. The CGT split between structures alone is worth the subscription price."
Simple pricing
Less than one hour of modelling time.
PropRetire is a cash flow forecasting tool — not financial advice. Model your numbers, explore scenarios, and come prepared to adviser meetings.
Most Popular
Starter
$29
per month · cancel anytime
- Up to 5 properties
- 1 portfolio
- Full retirement projections
- FD Retirement Simulator
- SMSF & company modelling
- Cash flow alerts
- Portfolio sharing links
- AI analyser (30/day)
Pro
$59
per month · cancel anytime
- Everything in Starter
- Unlimited properties
- Up to 10 client portfolios
- Suburb Intelligence & Finder
- AI analyser (100/day)
- Priority support
Broker
$129
per month · up to 50 clients
- Everything in Pro
- Up to 50 client portfolios
- Client sharing links
- Suburb Intelligence & Finder
- Priority support
- AI analyser (200/day)
Enterprise
$249
per month · up to 100 portfolios
- Everything in Broker
- Up to 100 portfolios
- AI analyser (500/day)
- Suburb Intelligence & Finder
- Dedicated support
- Custom onboarding
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 model your retirement position?
Your estimated retirement picture
may surprise you.
PropRetire models SMSF growth, offset savings, and CGT across all ownership structures — giving you illustrative numbers to explore and discuss with your financial adviser.
No credit card required · Takes 10 minutes · Not financial advice
Get in touch
Have a question?
We'd love to hear from you.
Whether it's about pricing, features, partnerships, or something else — send us a message and we'll get back to you within one business day.