| Who it is for | PropertyDirector "Australian property investors, and for Australians interested in starting a property portfolio" (D1) | 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 | PropertyDirector Income, operational and capital expenses, loan repayments and statements (D2) | 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 | PropertyDirector Basic is $12 a month or $120 a year, Essential $20 or $200, Professional $49 or $490, and Professional Plus $89 or $890. The currency beyond the dollar sign and GST are not stated (D3) | 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 | PropertyDirector A 7-day trial of Basic, with no credit card (D1, D3) | 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 | PropertyDirector Not mentioned. Its blog explains CGT on a sale (D6) | PropRetire Each legal owner's tax is worked out with the sale and without it (P3) |
|---|
| A sale from 1 July 2027 | PropertyDirector Not mentioned. Its blog explains the new rules (D6) | 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 | PropertyDirector Not mentioned. It forecasts what a portfolio will be worth in 10 years (D4) | 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 | PropertyDirector Estimates after-tax cash flow, and projects one property's cash flow for 10 years before you buy it (D3, D4) | 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 | PropertyDirector Its Portfolio Forecaster and Deal Analyser stress-test interest rates, growth and cash flow (D7) | PropRetire Raises rates or spending, or cuts income or rent, and names each owner whose cash runs out, with the date (P6) |
|---|
| Offset accounts | PropertyDirector A loan records its offset balance (D5) | PropRetire An offset account links to a loan, and interest is worked out on the debt after offsets (P7) |
|---|
| Your accountant or adviser | PropertyDirector You can share your portfolio with your accountant or mortgage broker at no extra cost (D2) | PropRetire Each result downloads as a PDF, and Financial year review has a spreadsheet for your accountant (P1, P8) |
|---|
| A firm with many clients | PropertyDirector Not mentioned. It builds custom white label versions for property businesses, such as property investment advisers (D3, D8) | PropRetire Business is priced by the number of advisers, and each adviser adds 50 clients (P1) |
|---|
| What else the maker names | PropertyDirector Uploads an unlimited number of statements, and its Deal Analyser projects any address for 10 years before you buy (D2, D4) | PropRetire Records go in one at a time on Setup, with no statement upload, and Purchase works out each owner's cash with and without a property you might buy (P2, P9) |
|---|