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My Portfolio
Analyse & Optimise
Retirement Plan
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Click "Try It Free →" on the landing page or the navigation bar.
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One click — no new password needed. Your portfolio data saves securely to your account and syncs across devices.
Create Your Portfolio
Click your name (top right) → "New Client Portfolio". Name it clearly: "My Properties 2025" or "Smith Family".
Enter Each Investor's Income
Enter the annual taxable income for each active investor. This sets their marginal tax rate used across all calculations — negative gearing, CGT, tax return.
Set Age & Retirement Target
Enter current age and target retirement age for each investor. PropRetire auto-calculates your projection horizon (e.g. age 45, retire at 60 = 15 years).
Enter Super Balance & SG Rate
Enter each investor's current super balance and employer super rate (default 12%). Used in SMSF projections and the retirement pot calculation.
Set Annual Living Expenses
Enter annual household expenses — rent, groceries, utilities, transport, insurance, education, entertainment. These are annual figures that drive your cashflow surplus and FD Simulator.
SMSF Contributions (Optional)
Enter extra concessional (pre-tax, up to $30k cap) and non-concessional (post-tax) super contributions. Reduces tax and grows your retirement balance.
Bulk Import via Excel
Fastest option: click "⬇️ Download Template", fill in Investors + Household & Goals + Properties sheets, then click "📥 Import Excel". All three sections load in one click.
Add Each Property
Click "+ Add New Property" and enter: address, purchase price, current value, weekly rent, current loan, interest rate, and ownership structure.
Choose Correct Ownership Structure
Set Personal, Investment, Company, Trust, or SMSF for each property. This drives the tax rate and CGT treatment. Wrong structure = wrong numbers everywhere.
Enter Annual Expenses Per Property
Council rates, insurance, repairs & maintenance, agent/mgmt fees (%), depreciation (from QS report), land tax (from your state revenue notice).
Set Portfolio-Wide Growth Rate
Find the Capital Growth Assumption widget in My Portfolio. Choose Conservative (5%), Moderate (7%), or Optimistic (9%). This single rate applies to ALL projections, retirement pot, and Performance tab.
Set Cash Savings / Buffer
In the 💡 Surplus Parking Strategy widget, enter your starting cash savings. This is your general household savings for retirement projections — not the same as a property's offset account.
Check Borrowing Power
Open 🏦 Borrowing Power to see your maximum borrowing capacity based on combined incomes, debts and living expenses. Know this before searching new properties.
Review Property Projections
Expand each property card in My Portfolio. The projection table shows after-tax cash flow year by year — rent +3%/yr, expenses +3%/yr, P&I repayments correctly recalculated. The header figure and table total always match.
Performance Leaderboard
The 📈 Performance tab ranks properties by Return on Equity. Shows True Acquisition Cost & ROI, and the Hold vs Sell & Redeploy matrix — all using the same accurate after-tax year-by-year projections.
Stress Test Your Portfolio
The ⚡ Stress Test shows portfolio cashflow at +0.5% to +3% rate rises. P&I repayments are correctly recalculated at each stressed rate. Base cash flows match the Portfolio tab.
Search & Analyse New Properties
Click 🔍 Search Property — type a full Australian address and select from the dropdown. Never press Enter. This loads live Google Maps data and unlocks all analysis tabs.
Enter Financials in Calculator
In 🧮 Calculator, enter purchase price, weekly rent, loan, rate, deposit and ownership structure. All analysis tabs (CGT, Overview, Stress Test) update instantly.
AI Analyser & Strategy
🤖 AI Analyser uses Claude AI to analyse this property. 🧠 AI Strategy analyses your entire portfolio and suggests improvements — concessional top-ups, selling underperformers, structure optimisation. General information only — not financial advice.
Tax Return Working Sheet
The 🧾 Tax Return tab generates a per-property working sheet for your tax return preparation — rental income, deductions, depreciation, and net rental income or loss.
View Total Retirement Pot
Scroll down in My Portfolio to see the Total Retirement Pot — Property Proceeds (after CGT & loan) + Savings/Surplus + Interest Saved (Offset Strategy) + SMSF balance. Adjust projection years to model different horizons.
Set Monthly Income Target in FD Simulator
Enter your target monthly income in retirement (e.g. $10,000/mo). The FD Retirement Simulator shows year-by-year how long your corpus lasts as living costs grow with CPI.
Model "What If" Scenarios
Change the projection years, adjust the growth rate widget, or add/remove properties to see how decisions affect your retirement pot. E.g. "Sell Property A at year 5 vs year 10?"
Take to Your Adviser
Use your PropRetire model as a prepared briefing when meeting your financial adviser. You'll have concrete numbers and clear scenarios rather than starting from scratch.
How Key Calculations Work
📐 Calculation Reference
✓ user-entered current value, or ≈ estimated as price × (1 + growth%)^years. Growth rate comes from the Capital Growth Assumption widget.calcPropertyDetail at stressed rate minus base rate — correctly recalculates P&I annuity at new rate.Quick Tab Reference
Workflow by User Type
Individual Investor
- Sign in → Create "My Portfolio 2025"
- Investors tab → enter income, super, age, living expenses
- Download Excel template → fill in → Import (fastest)
- My Portfolio → set Capital Growth Assumption widget
- Check Borrowing Power before looking at new properties
- Run Stress Test — can you handle a +2% rate rise?
- FD Simulator → set retirement income target
- Tax Return tab → working sheet for your accountant
Couple / Joint Investors
- Sign in → Create "Family Portfolio 2025"
- Investors tab → enable both Investor 1 and Investor 2
- Enter each income separately for correct weighted tax rate
- Set retirement age for both — system uses earliest retirement
- Excel import → fill in both investors in Investors sheet
- Add properties with correct structure per property (trust, SMSF etc)
- Performance tab → Hold vs Sell to decide which to keep
- Run retirement model together from Portfolio tab
Adviser / Broker
- Sign in → create a separate portfolio per client
- Name clearly: "Smith Family", "Jones Portfolio 2025"
- Send clients the Excel template to fill in themselves
- Import client Excel → entire setup in one click
- Performance tab → use leaderboard and Hold vs Sell for recommendations
- Analysis Summary tab → client-ready presentation view
- AI Strategy → draft briefing for adviser meeting
- Switch between client portfolios from the top-right menu
Do's & Don'ts
✅ Best Practices
- Set up the Investors tab first — it drives every tax calculation
- Use the Excel template for fast, accurate bulk setup
- In Search Property, always select from the dropdown — never press Enter
- Use the correct ownership structure for each property
- Enter real depreciation from your quantity surveyor report
- Enter land tax from your actual state revenue notice (not estimated)
- Set the Capital Growth rate in the portfolio-wide widget
- Check Borrowing Power before searching new properties
- Run Stress Test before committing to any new purchase
- Use PropRetire outputs as a prepared briefing for adviser meetings
- Enter Cash Savings / Buffer separately from property offset accounts
❌ Common Mistakes
- Don't skip the Investors tab — all tax calculations will show $0
- Don't leave fields at defaults (amber highlights) and expect accurate results
- Don't type an address and press Enter — select from the dropdown only
- Don't put properties on the wrong ownership structure — wrong tax applies
- Don't confuse Cash Savings / Buffer with property offset accounts
- Don't look for capital growth on individual property cards — it's portfolio-wide
- Don't enter monthly expenses in annual fields (or vice versa)
- Don't forget depreciation recapture in CGT when selling
- Don't treat AI Analyser or AI Strategy responses as financial advice
- Don't use PropRetire as a substitute for professional financial advice
General Information Only — Not Financial Advice.
PropRetire is a property modelling tool for illustrative and educational purposes only. All outputs are estimates based on user-supplied inputs and ATO published rates for 2025–26. They do not constitute financial product advice, tax advice, or legal advice under the Corporations Act 2001 (Cth). Always consult a licensed financial adviser, registered tax agent, and qualified legal professional before making any investment or financial decision.
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