Portfolio shell
The top-level portfolio sets the container that the rest of the app reads from.
See how the product stays connected.
Portfolio setup, property tax, suburb research, cashflow, retirement, and scenarios all read from one set of records.
The point of the product is not to hide complexity behind one number. It is to keep the source facts, current ledgers, and decision outputs close enough together that you can still inspect the working.
Start with the household model.
The base records are what make the later decision pages trustworthy.
Members
Income, assets, debt burden, and tax settings sit at the person level so ownership and affordability stay grounded.
Living expenses
Household spend stays alongside rent, wages, debt service, and retirement capacity.
Loans
Linked loans drive repayment, interest, refinance analysis, debt service, and current cashflow.
Properties
Each property keeps rent, costs, value, improvements, title allocation, and local market context together.
Read the current position before changing anything.
Current cashflow, tax, debt, and market context come first so future assumptions have a real starting point.
Current monthly position
Cashflow pages start with the current household result before any future-year assumption is touched.
Property tax
Annual tax result, owner-level split, claim support, and sale treatment stay beside the same property facts.
Goals and market fit
Portfolio health targets and suburb benchmarks show whether the current mix matches the direction you want.
Value and audit trails
Annual ledgers, cash-versus-tax bridges, and tracked capital improvements keep the result explainable.
Then test the next move.
The scenario and retirement views are designed around the decisions people actually need to make.
Sell or hold
Compare sale proceeds and reinvestment against continuing to hold the selected property.
Refinance
Replace the linked loan and inspect the payment change, costs, and long-run outcome.
Renovate and granny flat
Test project cost, funding structure, tax treatment, and payoff horizon on the selected property only.
Short stay
Compare long-term rent against short-stay use after occupancy risk, setup costs, and fee drag.
Retirement and sale ledger
Read whether the current portfolio supports retirement and what sale cash is left after debt, costs, and tax.
See the decision pages next.
Move from the product structure into the actual property choices: sell, refinance, renovate, short stay, granny flat, and retirement.