Skip to main content

    Find the strategy that actually fits your numbers

    Cash flow, equity growth, and tax efficiency pull in different directions. The right balance depends on your income, goals, and risk tolerance. This optimiser finds it.

    3
    Dimensions balanced
    Tax
    Modelling built in
    Side-by-side
    Scenario comparison
    Personalised
    To your numbers

    How this is different

    Most investors pick a strategy based on gut feel or a podcast recommendation. The optimiser takes your actual financial position — income, debts, tax rate, goals — and shows you which combination of cash flow, growth, and tax efficiency delivers the best outcome for your specific situation. Not theory. Your numbers.

    What the optimiser covers

    Strategy optimisation

    Balance cash flow, equity growth, and tax efficiency. See where the sweet spot sits for your specific financial position.

    Trade-off analysis

    A negatively geared property might save you $8,000 in tax but cost you $12,000 in cash flow. See the net effect clearly.

    Tax efficiency modelling

    Depreciation, negative gearing, CGT discount, marginal rates. The after-tax result is the only one that matters.

    Scenario comparison

    Compare high-yield vs high-growth, metro vs regional, one property vs two. Side-by-side with your actual numbers.

    Cash flow vs growth: the real trade-off

    Cash flow positive properties put money in your pocket every month. They are lower risk and give you a buffer when interest rates rise. But they tend to be in areas with slower capital growth, which means your equity builds more slowly.

    Growth focused properties in metro areas often cost you money each month but build equity faster through appreciation. Over 10 to 20 years, the growth property usually delivers a bigger total return — but you need the income to sustain the holding costs in the meantime.

    Tax efficiency: the overlooked variable

    Someone on a $180,000 salary gets 45 cents back for every dollar of investment loss. Someone on $80,000 gets 30 cents. That difference changes which strategy is optimal. The optimiser accounts for your specific tax position and shows you the after-tax result — the only number that actually matters.

    Related Tools

    Frequently asked questions

    It balances three key dimensions of your property strategy: cash flow (how much money goes in and out each month), equity growth (how fast your net worth increases through capital appreciation), and tax efficiency (how much of your income the ATO keeps versus what stays with you). Most investors focus on just one of these, but the best outcomes come from finding the right mix across all three based on your personal situation.

    Absolutely. In fact, first-time investors arguably benefit the most because it helps you understand the trade offs before you buy rather than discovering them after settlement. The tool shows you how different types of properties (high yield vs high growth, for example) affect your overall financial position, so you can choose a strategy that aligns with your goals from day one.

    It models Australian tax rules including negative gearing, depreciation schedules, the capital gains tax discount for assets held longer than 12 months, and the impact of your marginal tax rate on after tax returns. This is critical because a property that looks great before tax can look mediocre after tax, and vice versa. The optimiser shows you the after tax picture so you are comparing outcomes on a level playing field.

    Yes. You can set up multiple scenarios with different property types, locations, leverage levels, and holding periods. The optimiser runs the numbers on each scenario and presents the results side by side so you can see exactly how each strategy performs across cash flow, growth, and tax. It takes the guesswork out of deciding between, say, a high yield regional property and a lower yield metro apartment with stronger growth potential.

    You will need some basic figures like your income, savings, and a rough idea of the type of property you are considering. The tool provides sensible defaults for things like holding costs, growth assumptions, and rental yields where you do not have exact numbers. As you refine your search and get real quotes, you can update the inputs for a more precise result.

    Find your optimal investment strategy

    Cash flow, growth, tax efficiency — balanced for your situation. See which strategy wins.