Demo profile
Dual-income family (~$300k), three investment properties, SMSF & shares. Edits here are not saved.
Sample insights
Tweak the assumptions in the top-right to see how the numbers change.
Current net worth
Assets you entered, minus the loans against them.
- Marrickville, NSWjoint$210,000
- Coorparoo, QLDjoint$210,000
- Footscray, VICjoint$180,000
Growth prediction
Projected assets stacked by class. The line is your net worth (assets minus debt) — the gap between the stack top and the line is your outstanding debt.
Tip: long-run AU residential property growth is often modelled around 6–8% p.a.; shares 7–8%. Adjust to match your view.
Allocation
How your wealth is split across asset classes and between equity and debt.
- Cash2%
- Shares3%
- Super17%
- Property78%
- Equity26%
- Debt74%
Cash flow
Income and rent in, expenses and loan repayments out.
- Income$26,667
- Net rental cash flow-$2,510
- Living expenses-$11,000
- Loan repayments-$10,105
Capacity to expand
A rough sense of how much more you could borrow and what that might buy.
Personal, trust or company
Purchases held in your personal name, a family trust, or a company. Uses your salary and personally-held properties for serviceability.
Easiest ways to expand
Your own levers, ranked. No suburb or market data — just your numbers.
- 1
Cashflow headroom
Your household runs a positive annual surplus, which lenders can use to service new debt.
Approx$36,618 - 2
Partially sell shares
Your share holdings are liquid — selling a portion could fund a deposit, though it may trigger capital gains tax.
Approx$81,600 - 3
Release equity
Coorparoo, QLD has the most room to refinance — currently at 74% LVR. You could potentially unlock funds toward a deposit.
Approx$46,000
Tax & structure insights (AU)
General Australian considerations relevant to what you entered. FY 2025–26.
Indicative only. Excludes offsets (LITO, etc.), HELP, MLS and other adjustments.
Rental losses on personal/joint properties offset salary & wages.
Net rental losses quarantined — carried forward against future investment income.
- Insight
Negative gearing
One or more of your personally-held properties runs at a net rental loss. In Australia, that loss may be deductible against your other income — worth confirming with your accountant. Properties held in a trust, company or SMSF are excluded here as losses are quarantined inside the entity.
For you: Net rental loss across personally-held investments: $30,121 / yr. At your marginal rate (39%) that's roughly $11,747 of tax saved.
Worth discussing with your accountant or adviser.
- Insight
Depreciation
Investment properties may have claimable depreciation on the building and fittings. A qualified quantity surveyor's report often pays for itself.
For you: Indicative Div 43 building depreciation (2.5% of ~60% of value): $35,250 / yr — roughly $13,748 of tax saved at your marginal rate.
Worth discussing with your accountant or adviser.
- Insight
Lending structure
Offset vs redraw, interest-only vs P&I, and using equity for deposits each have different cashflow and tax outcomes. A broker can help you compare structures.
Worth discussing with your accountant or adviser.
- Insight
CGT discount
Assets held longer than 12 months may qualify for the 50% capital gains tax discount when sold (individuals and most trusts). Your main residence is generally CGT-exempt.
For you: On your current $2,431,600 of CGT-applicable assets, the 50% discount could meaningfully reduce tax on any future gain.
Worth discussing with your accountant or adviser.
- Insight
Franking credits
Australian shares often carry franking credits, which can offset tax on dividend income. Your accountant can include these in your return.
For you: At a ~4% yield on $81,600 of shares ($3,264 dividends), fully-franked credits would be ~$1,399 of imputation.
Worth discussing with your accountant or adviser.
- Insight
Employer share scheme (ESS)
Shares received through an employer scheme have their own tax treatment — discounts may be assessed at grant or at a deferred taxing point. An accountant can confirm how your scheme is taxed.
Worth discussing with your accountant or adviser.
- Insight
Ownership & marginal rates
Your incomes are quite different. For couples, holding income-producing assets in the lower-income partner's name can change the household tax outcome.
For you: Marginal rate gap: 7%. Every $1,000 of investment income shifted to the lower earner saves ~$70.
Worth discussing with your accountant or adviser.
- Insight
Super contributions
Concessional super contributions (capped at $30,000 for FY 2025–26) may be a tax-effective option to consider.
For you: After ~$20,700 employer SG and $0 of your own contributions, you have ~$9,300 of concessional cap left. Contributing it (15% in super vs 39% personally) could save ~$2,232 of tax.
Worth discussing with your accountant or adviser.
- Insight
Ownership structure
As portfolios grow, holding investments in a personal name vs family trust, company, or SMSF affects tax, asset protection, and borrowing capacity differently. Worth a structured conversation.
Worth discussing with your accountant or adviser.
- Insight
Deductions for Software engineer
Knowledge workers commonly claim home office (fixed rate or actual cost), professional memberships, technical books and subscriptions, depreciation on laptops/monitors, and self-education tied to your current role.
Worth discussing with your accountant or adviser.
These are general insights, not advice. A licensed accountant, broker, or financial planner can tailor any of this to your situation.