Vestly and PropRetire side by side

What it does

Vestly Vestly tracks rent, expenses and interest, models a sale, forecasts the next 12 months and builds a tax pack for the year

PropRetire Spending and ten years. PropRetire drafts properties, loans, super, income and spending for each owner from their documents, works out the tax on a sale, what is left each month and future cashflow year by year, and sends the packs to an accountant or broker

Who it is for

Vestly "Built for Australian rental properties" V1

PropRetire Personal is for your own properties. Business is for accountants, brokers and advisers P1

What you record

Vestly Rent, expenses, interest and your live tax position. Pricing lists "Trusts, SMSFs, co-ownership" V1, V2

PropRetire Legal owners, properties, other assets, loans, income and living expenses P2

Reading your documents

Vestly Receipt scan and document import, on Pro V1, V2

PropRetire Statements, letters and leases, dropped in any order P11

Bank exports

Vestly Imports the CSV a bank exports, with no live bank feed V4

PropRetire A bank's CSV, OFX, QFX or XLSX export gives the period it covers, and the balance where the export shows one P18

Price

Vestly Core A$12 a month or $99 a year. Pro A$16 a month or $129 a year. GST included V1, V2

PropRetire Personal $49 a month. Business from $399 a month. In Australian dollars with GST P1

Free start

Vestly A 14-day free trial, with no card V1, V2

PropRetire A 30-⁠day free trial on every plan, with no credit card P1

Tax on a sale

Vestly "Model a sale before you commit", with the 50% discount for holds over 12 months V3

PropRetire Worked out with the sale and without it P3

A sale from 1 July 2027

Vestly Its CGT calculator says CPI indexing of the cost base and a minimum 30% tax replace the 50% discount for gains from 1 July 2027. The calculator uses today's rules V6

PropRetire Cost base indexation replaces the 50% discount for a person or family trust, the gain from then counts toward a 30% minimum tax for a resident individual, and the gain up to 30 June 2027 keeps the discount P3

Future cashflow

Vestly A next 12 months forecast, and two scenarios side by side V1, V7

PropRetire Runs once for each option and shows each one's cash and equity year by year P4

Cash over time

Vestly Each property's cashflow, with a 12-month trend chart V1, V7

PropRetire Up to ten years. Carries each legal owner's cash forward month by month for up to ten years P5

Rate rise test

Vestly "Scenario planning and rate-rise stress tests" V1

PropRetire Raises rates or spending, or cuts income or rent P6

Offset accounts

Vestly Its forecast flags the worst month, so you know what to keep in the offset V7

PropRetire An offset account links to a loan, and interest is worked out after offsets P7

Suburb research

Vestly Not mentioned V1 to V9

PropRetire Scored on a map. Each suburb scored against the rest of its state, on a map P12

Sending to your accountant

Vestly "Share a read-only pack with your accountant", on Pro V1

PropRetire The accountant pack: a LodgeiT workbook for each owner and a PDF P13

Sending to your broker

Vestly A modelled scenario can go read-only to your broker or partner V7

PropRetire Income, living expenses, properties, other assets and loans, with debt to income P14

A firm with many clients

Vestly A free professional workspace lists every client who invites the firm, read-only V5

PropRetire Each person who signs in adds 50 clients P1

Asking clients for records

Vestly The client sends the invitation, and the professional reads but does not edit V5

PropRetire Business's Ask for records sends each client a link P15

Zapier and an API

Vestly Not mentioned V1 to V9

PropRetire Zapier and an API. A Zap adds each new client from your CRM or a form. The client API adds clients too P16, P17

What else the maker names

Vestly Div 40 and 43 depreciation sorted into the categories the return asks for, live negative gearing, calculators and rent-increase letters V2, V3, V8

PropRetire Records each property's depreciation and capital works history for its tax estimates P3