Data and calculations

A result uses the records that apply on its date, or across its period, and the rules in force then. A different date can pick different records and rules, so the result can change.

• A value or balance keeps the date it was true on.
• Ownership, rent, income, expenses and loan terms each run for an effective period Effective period The dates a record applies from and to. The end date is the last day it applies. . When a fact changes, end the old period on its last day and start the new one the next day.
• A projection works month by month. It also splits at each 1 July, at a rule change and at the day a record starts or ends, so figures that depend on each other change on the same day.

The Armadale house's rent was $550 a week until 30 June 2025, then $600 from 1 July 2025. The Financial year review counts 53 weekly payments in each year, so Armadale's rent is $29,150 for 2024-25 and $31,800 for 2025-26.

Each value and balance is used at its newest figure. A recorded figure is a dated fact you saved. Where your records show how it has moved since, PropRetire carries it forward to the date of the result. The working names where each figure came from and its date.

• A property takes its PropRetire value where the market evidence is newer than your record. On the same date, your record is used. Armadale's Value is the $665,000 recorded on 30 Sept 2026, as its working says Market evidence for a PropRetire value of this property is not published yet.
• Cash and super move with the income, spending, contributions and loan payments you recorded. The Mitchell offset's $320,000 recorded on 30 Sept 2026 is an estimated $332,763 on 4 Oct 2026.
• A loan moves with its scheduled payments. The Armadale loan's scheduled balance on 4 Oct 2026 is $224,145.
• A HELP debt adds its indexation each 1 June.
• Shares and other investments stay at the value you recorded. Emma's Share portfolio reads $187,000, and its help says Nothing is scheduled to move it.

Check a result shows how to open a working, and Records that go stale says when a figure needs a newer one.

• Your records, each with its dates.
• The retirement plan, when you select Calculate and save retirement plan. Portfolio position, Loans and Purchase read its Keep everything strategy.
• A report a Business account sends, as a copy that does not change. Reports and secure links explains sent reports.

Cash forecast, Purchase, Refinance, Stress test and Property outlook keep neither their assumptions nor their results. Retirement keeps the retirement plan but not its results. A calculation page holds what you entered while you fix a record it asked for.

So a page opened next month can show different figures from the same records, as the date has moved. Why nothing here is stored explains what that means for a report sent last quarter.

Who owns a property, who owes a loan, who makes its payments, who can reach the cash and how each is taxed are recorded separately. One never decides another. Cash, debt, tax and super stay with their recorded legal owner, so one owner's cash never covers another's shortfall.

• The Mitchell offset is held half each, so Daniel and Emma each have $166,381 of it on 4 Oct 2026.
• The Mitchell home loan is owed half each, so half its interest counts in Daniel's figures and half in Emma's.
• On the Stress test, selling Emma's Frankston unit leaves the cash with her. Mitchell Holdings Pty Ltd's cash still falls below $0.

Loans explains borrowers and who pays, and Why is cash kept by legal owner? explains the cash.

PropRetire values and suburb scores come from licensed market data. Local market evidence moves a recorded property value to a PropRetire value, and gives each suburb a score against its peers. Each gives its date and the evidence behind it. Neither is a property valuation, a forecast or a recommendation, and a suburb score never changes a record.

Until the evidence for a property is published, its page says so, as Armadale's does, and your recorded value is used. Data sources lists the public data shown beside the scores, which never changes a score or a value. Suburb research explains the scores.