Cash flow ledger
A statement-style monthly view of your home, investment property and short-stay apartment — repayments, running costs, rent and the negative gearing benefit.
Open the ledger
PropertyROI.app · Melbourne
Know what a property really costs you each month.
One clear statement for your home, your investment property and your short-stay apartment — loan repayments, outgoings, rent and the tax benefit, all in the same place.
Four tools, one set of numbers
Loan & acquisition
Base loan, LVR, estimated LMI, Victorian stamp duty and total cash required — then compare deposit strategies side by side.
Run the numbers
Refinance calculator
Model up to three refinance scenarios side by side — repayments, LVR, cash-out surplus, monthly savings, extra weekly repayments and offset interest saved.
Compare scenarios
Commercial property
Cash needed at settlement, GST timing, duty and CIPT, net operating income, cap rate, DSCR and the lease-up risk on a commercial purchase.
Open the calculator
Melbourne vs Dubai
Put the same budget side by side in Victoria and the UAE — stamp duty against DLD fees, foreign-buyer surcharges, net yield, FX risk and the Australian tax bill on exit.
Compare markets
Import a listing
Photograph an agent's information sheet and the app reads the council and water rates, owners corporation fees, weekly rent and price guide for you.
Upload a listingHow it works
- 01
Import or enter the property
Snap the agent's sheet or type in the price, rates, owners corporation fees and rent.
- 02
Set the loan and the costs
Deposit, LVR, LMI, stamp duty and rate — the calculator hands the final loan straight to the ledger.
- 03
Read the monthly statement
See what actually leaves your account each month, the tax position and a ten-year projection.
What it covers
- Principal & interest or interest-only repayments
- LVR, estimated LMI and Victorian stamp duty
- Council rates, water and owners corporation fees
- Weekly rent vs short-stay nightly income
- Letting fees, management and platform commissions
- Negative gearing benefit across both incomes
- Long-term rental vs short-stay comparison
- Ten-year cumulative net position
- Refinance savings against your current loan
- Extra weekly repayments and payoff term
- Offset account interest and time saved
Start with your next inspection.
Enter a price, load the outgoings and see the monthly position in a minute.