Canwi and PropRetire both run an Australian household's money forward to retirement. Canwi records income, expenses, what you own and what you owe, and projects net worth and cash flow over decades. PropRetire records properties, loans, super, income and spending for each owner, and works out the tax on a sale, what is left each month and how long the money lasts. The table sets out what each maker's own pages said on 14 Oct 2026.
| Canwi | PropRetire | |
|---|---|---|
| Who it is for | Canwi "Australians mapping retirement timing whether it is years away or already underway" (C1) | PropRetire Personal is for an investor planning their own properties, loans, income and super, in one portfolio. Business is for advisers, accountants, buyers agents and mortgage brokers, and each adviser in the business adds 50 clients (P1) |
| What you record | Canwi Income, expenses, what you own and what you owe (C2) | PropRetire Legal owners, properties, other assets such as cash, super and investments, loans, income and living expenses. A legal owner is a person, company, trust or SMSF (P2) |
| Price | Canwi Starter is $0, for one scenario. Plus is $39 a month, or $29 a month billed annually. In Australian dollars. GST is not stated (C3, C1) | PropRetire Personal is $49 a month or $439 a year. Business is from $399 a month or $3,599 a year for one adviser. In Australian dollars with GST (P1) |
| Free start | Canwi Starter is free, with no credit card (C3) | PropRetire A 14-day free trial on Personal and a 30-day free trial on Business, with no credit card (P1) |
| Tax on a sale | Canwi Applies capital gains tax to each property sale in your plan (C4) | PropRetire Each legal owner's tax is worked out with the sale and without it (P3) |
| A sale from 1 July 2027 | Canwi Applies cost base indexation and a 30% minimum tax to a gain after 1 July 2027, and the 50% discount to the gain up to then. On by default since July 2026 (C4, C5) | PropRetire Cost base indexation and a 30% minimum tax replace the 50% discount for a person or trust, and the gain up to then keeps the old rules (P3) |
| Retirement | Canwi Shows when each plan runs out, if it does (C1) | PropRetire Runs the records to the end of the retirement plan once for each strategy, such as keeping everything or selling the rentals, and says when any strategy's cash runs out (P4) |
| Cash forecast | Canwi Projects net worth and cash flow over decades (C3) | PropRetire Carries each legal owner's cash forward month by month for up to ten years, and gives the first day any owner's cash runs out (P5) |
| Rate rise test | Canwi Its Chance of Success stress-tests a plan against a thousand runs of market returns and inflation (C3, C5) | PropRetire Raises rates or spending, or cuts income or rent, and names each owner whose cash runs out, with the date (P6) |
| Offset accounts | Canwi An offset account can be made with a property purchase (C5) | PropRetire An offset account links to a loan, and interest is worked out on the debt after offsets (P7) |
| Your accountant or adviser | Canwi Projections export to Excel to take to your adviser (C3) | PropRetire Each result downloads as a PDF, and Financial year review has a spreadsheet for your accountant (P1, P8) |
| A firm with many clients | Canwi Not mentioned (C1 to C6) | PropRetire Business is priced by the number of advisers, and each adviser adds 50 clients (P1) |
| What else the maker names | Canwi Plans share disposals, refinancing and HECS/HELP as well as property (C4, C6) | PropRetire Estimates each owner's HELP repayment with their income tax, and compares refinancing a loan with its current terms (P3, P10) |
Not mentioned means the maker's own pages did not mention it on 14 Oct 2026, not that the product cannot do it.
PropRetire's results assume income, rent and spending grow 3% a year and super has a net return of 8%, until you change them. Planning assumptions, not a PropRetire forecast.
Canwi's sources, each read on 14 Oct 2026:
PropRetire's sources, each read on 14 Oct 2026: