Data and calculations

PropRetire saves the source facts entered in a portfolio, including their effective or evidence dates. A calculation for a stated date uses the applicable saved facts without changing the date or source of those records.

Unknown or missing information remains unknown. PropRetire does not turn a missing fact into zero or silently infer one legal or financial relationship from another.

Live planning workflows generally send their temporary assumptions with one calculation request. Their returned results and proofs are calculated on request and are not saved as portfolio facts.

Retirement is the explicit exception for assumptions. PropRetire saves the latest validated Retirement plan assumptions and its as-of date so Portfolio position can recalculate the explicit hold baseline. Live Retirement results and proofs remain calculated on request rather than being saved with the plan.

Separately, when a Business user sends a reviewed result, PropRetire stores an immutable frozen report containing the request and result used for that send. A frozen sent report is a report record, not a portfolio fact, and does not replace later live calculations.

PropRetire calculates money on the server from saved effective-dated facts, assumptions submitted for the current request and the enacted policy supported for each date. The page presents the returned amounts. It does not recreate financial arithmetic in the browser.

Calculations preserve legal-owner boundaries. Ownership, debt responsibility, payment responsibility, access to cash and tax treatment are not treated as the same fact. When required evidence or supported policy is missing, the affected output is blocked rather than returned as zero.

Every output is an estimate within the stated calculation scope. A different date, source fact, assumption or applicable policy can change the result.

A recorded property value is a saved dated fact. A PropRetire valuation is a derived planning basis. It does not overwrite a recorded value, and a complete portfolio planning basis is shown only when every current property has an available estimate rather than mixing estimated and recorded values.

A user can choose to save a new dated property value. Until then, a live valuation remains separate from the portfolio facts. A PropRetire score is also separate: it is not a property valuation, a portfolio fact or a growth assumption for Property Outlook.

Where a financial result exposes a proof, the proof identifies the ordered inputs and operations used to derive it, links supporting proofs and names an effective policy when a policy controls a step.

A proof shows the accounting engine’s calculation path. It does not independently certify that a source fact is correct or that a legal, tax or mathematical rule is correct. Source records, calculation tests and policy review remain separate responsibilities.

Market valuations and PropRetire scores use a different evidence contract from accounting results. They do not receive accounting proofs. Their trust information is the stated basis and date, evidence revision or model version, coverage and limitations. Protected source observations and internal movement series are not published as portfolio facts.

For each score component, PropRetire compares a suburb with eligible places in the same state, for the same home type and observation period. Missing component evidence is not scored as zero. The score is relative to that comparison cohort. It is not a property valuation, a forecast of future returns or a recommendation.

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