Build your portfolio with
the right numbers
PropTime is built for investors who take property seriously — with suburb intelligence, structure optimisation, cashflow modelling, and portfolio tracking in one place. Budget 2026 rules included.
Free plan available · No credit card required
Every tool a portfolio builder needs
266 suburbs scored across 15 demand and supply indicators — vacancy rate, yield, growth trend, infrastructure, and more. Find where the numbers actually work.
Compare personal name, company, trust, and SMSF simultaneously. Budget 2026 rules built in. See which structure gives you the highest total wealth position for your specific property and income.
Model any property with real interest, depreciation, and expense inputs. Shows current-rules cashflow and post-July 2027 Budget 2026 cashflow side by side.
Track equity, cashflow, and loan balances across your entire portfolio in one view. See your total position and what each property contributes.
Model offset account benefits, P&I vs interest-only, extra repayments, and debt recycling. Find your mortgage-free date with every available strategy.
Systematic approach to matching your goals, risk tolerance, and cashflow position to the right investment strategy — growth, yield, development, or SMSF.
RBA rate movements, auction clearance rates, new listings, and market sentiment — updated regularly so you know what conditions you're operating in.
Ask complex questions about suburbs, strategy, structures, and tax. Trained on Australian property investment context. 500 questions/month on Pro.
Real decision support
Planning your second or third purchase
Use Suburb Intelligence to identify the right market, then run the Structure Optimiser to determine whether personal name, trust, or SMSF makes the most sense for the next addition to your portfolio.
Reviewing after Budget 2026
Established property in personal name lost its tax benefit. Model whether SMSF or a trust delivers a better outcome for your next purchase — with your existing income and portfolio as context.
Comparing markets across states
Queensland, Western Australia, and South Australian suburbs are showing different yield and growth profiles to Sydney and Melbourne. Filter 266 suburbs by score and state to find where the numbers work.
Stress-testing before purchase
Run the Cashflow Calculator with rising rates (+1%, +2%) and declining rent to understand your worst-case cashflow position before committing. Know what you can absorb.
Know exactly where you stand under the new rules
Established property in personal name lost its negative gearing deduction against wages from 1 July 2027. PropTime's calculators show you both the current-rules and post-2027 cashflow — and the structure that gives the best outcome.
Read the Budget 2026 breakdown →Start building with better data
Free account includes suburb scores, cashflow calculator, and structure optimiser. Upgrade to Pro for all 266 suburbs and 500 AI questions per month.
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